Humana Medical Insurance: What You Should Know Before Your Eye Exam

Dr. Ryan Corte
Oct 13
4 min read

Are you interested in learning more about Humana medical insurance? Maybe you already have Humana and are looking for an eye doctor in Charlotte or Asheville, NC.

If so, look no further, Reflect Vision Care proudly accepts Humana medical insurance! We also accept a variety of vision and medical insurance plans to make it easier for you to receive the high-quality care you deserve.

Below, we’ve answered the most frequently asked questions we receive about Humana, including what it covers for eye exams, how to find a provider, and how to make the most of your benefits.

What Is Humana Medical Insurance?

Humana, founded in 1961, is one of the largest health insurance providers in the United States and currently serves over 17 million medical members nationwide.

Humana’s mission is to improve health and well-being through personalized, affordable care. The company offers a wide range of medical plans, including individual, employer-sponsored, and Medicare Advantage plans, many of which include vision benefits as part of their coverage.

When it comes to eye care, Humana medical plans cover medically necessary eye exams and treatment for eye diseases, while routine vision benefits are often available through Humana Vision (administered by EyeMed).

How to Find a Humana Eye Doctor

Finding a Humana provider is simple! You can use the Humana Find a Doctor tool to search by:

ZIP code or city
Doctor or practice name
Specialty (Optometry or Ophthalmology)
Plan type (PPO, HMO, Medicare Advantage, etc.)

💡 Tip: Search for Optometry under “medical providers” if you’re looking for medical eye care (like diabetes or dry eye). For routine vision exams or eyewear, select Humana Vision (EyeMed) providers.

And yes, Reflect Vision Care proudly accepts Humana medical insurance for your medical eye care needs!

What If My Provider Isn’t In-Network?

Humana allows flexibility depending on your plan type:

PPO plans: You can visit both in-network and out-of-network providers, though your out-of-pocket costs will be lower in-network.
HMO plans: You’ll need to see an in-network provider to receive coverage (unless it’s an emergency).

If your provider is out-of-network, you may need to pay in full at your visit and submit a claim for reimbursement. Our Reflect Vision Care team can help determine your eligibility and estimated costs before your appointment.

How Much Does Humana Insurance Cost?

The cost of your Humana plan depends on your employer, location, and plan type.

Typical features include:

Low or no-cost preventive visits
Small copays for medical office visits (often $10–$40)
Comprehensive coverage for medically necessary eye exams
Optional vision coverage through Humana Vision

If you have a Medicare Advantage plan, many include additional vision benefits beyond your standard medical coverage.

What Does Humana Cover for Eye Care?

Humana medical plans cover eye exams and treatments related to eye health, rather than routine vision care for glasses or contact prescriptions.

Medical Eye Exams

Covered medical services may include:

Glaucoma evaluations and testing
Cataract detection and co-management
Diabetic eye exams
Macular degeneration monitoring
Dry eye diagnosis and management
Eye pain, redness, or infection treatment
Headache and vision problem evaluations

Routine exams for glasses or contact lenses are typically covered under Humana Vision, which operates through the EyeMed network.

Glasses and Contact Lenses

If your plan includes Humana Vision (EyeMed), you may receive:

A $150–$200 frame allowance
Discounts on premium lenses, progressives, and coatings
A contact lens evaluation allowance and materials benefit

If you only have medical coverage (no vision add-on), these services are billed separately and considered out-of-pocket.

Are Medically Necessary Contact Lenses Covered by Humana?

Yes, in specific cases. If you need medically necessary contact lenses due to conditions such as keratoconus, severe dry eye, or post-surgical corneal irregularities, Humana medical insurance may cover both the fitting and lenses once your deductible is met.

Our Reflect Vision Care doctors can determine if your condition qualifies and help submit proper documentation for approval.

Does Humana Cover Diabetic Eye Exams?

Absolutely! Humana covers diabetic eye exams annually for members with diabetes.

These exams are essential for early detection and monitoring of diabetic retinopathy, one of the leading causes of preventable blindness in adults.

Our team will send a detailed report of your exam results to your primary care provider or endocrinologist to ensure your eye health is well-coordinated with your overall diabetes care.

Does Humana Cover Cataract Surgery?

Yes. Humana covers medically necessary cataract surgery, including:

Cataract removal
Standard intraocular lens (IOL) implantation

If you choose a premium or multifocal lens upgrade, that portion is typically considered elective and not covered.

Our doctors at Reflect Vision Care will assist with pre- and post-operative care and help ensure your surgery is billed correctly.

Does Humana Cover LASIK or PRK?

No. LASIK and PRK are considered elective procedures, so they are not covered by Humana medical insurance.

However, Humana Vision (EyeMed) members may qualify for 15–25% discounts on LASIK or PRK procedures through the U.S. Laser Network.

If you’re considering laser vision correction, our team can help you find trusted providers and learn more about your discount options.

Additional Humana Benefits Patients Should Know

Strong Medicare Advantage options for seniors
Preventive focus on early detection of eye disease
Extensive provider network for both medical and routine vision care
Integration with EyeMed for additional vision benefits
Convenient online tools through the MyHumana portal and app for managing claims and coverage

Why Choose Reflect Vision Care for Your Humana Eye Care

At Reflect Vision Care, we proudly accept Humana medical insurance and work closely with patients to ensure they get the most from their plan.

Whether you’re managing diabetes, dry eye, or macular degeneration, our doctors provide personalized, comprehensive eye care while helping you understand your insurance coverage every step of the way.

Schedule Your Humana Eye Exam Today

Ready to use your Humana medical insurance for your next eye exam? We’re here to help!

Schedule your appointment at one of our convenient Reflect Vision Care locations:

📞 Call us or schedule online to book your visit today!