An optometrist IS an actual eye doctor. They do not perform surgeries (unless you count foreign object removal and punctal plug insertions). They are considered to be physicians.
And major medical does not cover refractions. You need an eye insurance rider for that.
I don't think that this statement is completely true. From WebMD
Ophthalmologist: Total Eye CareOphthalmologists are physicians -- doctors of medicine (MDs) or doctors of osteopathy (DOs). MDs and DOs complete four or more years of college premedical education, four years of medical school, and one year of internship to get their doctorate degrees.
After they become licensed physicians, they undergo a residency of three or more years. This consists of medical and surgical specialty training specifically in eye care.
Ophthalmologists provide complete eye care services. These include:
Vision services, including eye exams
Medical eye care -- for glaucoma, iritis, chemical burns, orbital cellulites, etc.
Surgical eye care -- for trauma, crossed eyes, cataracts, glaucoma, tumors, etc.
Diagnosis and treatment of eye conditions related to other diseases, like diabetes ( diabetic retinopathy), arthritis (iritis), or brain conditions ( multiple sclerosis/optic neuritis)
Eye disease and injury preventive services
Plastic surgery -- some ophthalmologists offer this service for drooping eyelids or skin tumors, or for smoothing wrinkles and improving skin tone around the eyes
Optometrist (OD): Vision Care and Eye Care ServicesOptometrists are trained to diagnose and treat vision conditions like nearsightedness, farsightedness, and astigmatism. They are trained in prescribing eyeglasses, contact lenses, eye exercises, low vision aids, and vision therapy.
They are also trained to identify cataracts, glaucoma, and retinal disease, and to use some medications to treat eye disease.
Optometrists do not attend medical school. Most complete an undergraduate degree before beginning four years of training for an optometry (OD) degree.
Some complete a postgraduate one-year clinical residency to gain specialist certification.
The services optometrists provide include:
Vision services such as eye exams, and treatment of conditions such as amblyopia and strabismus
Diagnosing eye conditions such as glaucoma, macular degeneration, diabetic retinopathy, and conjunctivitis
Prescribing medications for certain eye conditions (in some states)
Eye disease and injury-prevention services
Prescribing and fitting glasses and contact lenses