Although you might first discuss eye dryness or irritation with a primary care physician, you’ll likely be sent to an optometrist or ophthalmologist to pinpoint the underlying cause of your problem and guide treatment.

An optometrist is a doctor that specializes in the diagnosis and management of both internal and external eye diseases, and an ophthalmologist usually specializes in surgical procedures on the eye. There are several reasons why you might be sent to either of these specialists, and you should check with your health insurance plan about coverage before your appointment.

Not every medical insurance plan includes coverage for eye issues. However, medical insurance coverage may at times be used for eye problems related to other conditions such as diabetes-related retinopathy. Eye problems that are typically covered under vision insurance may be denied by a medical insurance plan. Vision care is usually covered under a separate vision insurance plan.

Even with a medical reason to see an optometrist or a vision plan that covers eye care, you may want to check with your insurance plan on your share of the cost responsibility before your appointment. Different types of plans and different levels of specialists might require high copayments or fees.