术前检查要问的3个问题:
1: What kind of Vision result you want (Distance: long , intermediate, short), Glass free?
2: Do you have astigmatism? ( if you do, Then Toric lense)
3: Any other optic health issues? any other disease like diabetes?
最重要的:what type, and what brand of Lense you will choose:
材料科技近年也是突飞猛进,Envy在美国已经很长时间用于临床, 加拿大安省2025 5月才开始第一例。

### What is Refraction in the Context of Insurance?
Based on common usage in healthcare, "refractive insurance" likely refers to **insurance coverage related to refractive eye care services**, such as refraction testing during eye exams or procedures to correct refractive errors (e.g., nearsightedness, farsightedness, or astigmatism). This isn't a formal term like "health insurance," but it's often discussed in optometry and ophthalmology. I'll break it down below.
#### 1. **What is Refraction?**
- Refraction is a standard part of a comprehensive eye exam. It's the process where an eye doctor uses a phoropter (a device with different lenses) to test how light bends (refracts) as it passes through your eye's lens and cornea.
- The goal: Determine your exact eyeglass or contact lens prescription to achieve the sharpest vision.
- It's quick (5–10 minutes) but requires skilled interpretation by the doctor.
#### 2. **Insurance Coverage for Refraction Testing**
- **Health/Medical Insurance (e.g., Medicare, private plans)**: Often **does not cover** the refraction fee (typically $25–$50). Why? It's considered part of "routine vision care" rather than diagnosing/treating a medical condition like glaucoma. Medicare explicitly excludes it, treating it as elective.
- **Vision Insurance (e.g., VSP, EyeMed)**: Usually **covers** it fully or with a copay, as these plans are designed for routine eye care. Standalone vision plans can supplement Medicare.
- **Medicaid**: Varies by state; some cover it under expanded benefits.
- **Out-of-Pocket Tip**: If uncovered, it's a separate bill from the exam itself. Always confirm with your provider beforehand.
#### 3. **Insurance for Refractive Procedures (e.g., LASIK or Refractive Lens Exchange)**
- These are surgeries to permanently correct refractive errors without glasses/contacts.
- **Standard Coverage**: Most health insurance **does not cover** elective refractive surgery like LASIK (costs $2,000–$3,000 per eye). It's seen as cosmetic.
- **Exceptions**:
- If tied to a medical need (e.g., post-cataract surgery), some plans may partially cover.
- Refractive Lens Exchange (RLE) for presbyopia or high prescriptions: Rarely covered; considered elective.
- Employer plans or discounts: Some offer LASIK rebates or financing.
- **Alternatives**: FSA/HSA accounts can pay pre-tax, or look for vision insurance add-ons.
#### Key Differences: Medical vs. Vision Insurance
| Aspect | Medical/Health Insurance | Vision Insurance |
|---|---|---|
| Covers Refraction? | Usually no (elective) | Yes, often fully |
| Eye Exam | Yes, for medical issues (e.g., disease) | Yes, routine exams |
| Glasses/Contacts | No | Yes, with copays |
| Surgery (e.g., LASIK) | Rarely, only if medically necessary | No, but may offer discounts |
| Examples | Medicare Part B, Blue Cross PPO | VSP, Aetna Vision |
|