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I hope this document helps you better understand some of the average costs for vision and how vision insurance versus Medicare covers the procedure. One point not covered in this document is visiting an optometrist versus an ophthalmologist - how is that covered? A visit to your optometrist will either be paid out-of-pocket or through your vision plan. An ophthalmologist is a doctor and that visit will either be covered by Medicare or your health insurance plan... or out-of-pocket. Keep in mind, out-patient testing is handled separately from a doctor visit.