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Does Bluecross Blueshield Cover Vision

We Make It Easy To Understand Your Bcbs Vision Coverage

Medicare Advantage vision care

Even when you find your vision benefit description on the provider website, it can be hard understanding exactly whats covered and what you can expect your out of pocket expenses to look like.

Just call or stop by for a free benefits check. We’ll explain your vision plan details in plain language so you can avoid surprise out of pocket costs.

We also offer eyewear financing options to make it easy to get the vision correction you need right away and pay comfortably over time.

According to their website, BlueCross BlueShield vision plans cover one eye exam per year for each member.

If your vision plan covers a yearly eye exam, make sure to use your benefits even if you think your vision is fine. Comprehensive eye exams do more than test visual acuity theyre an important part of preventive health care.

Based on the information on their website, BCBS of Illinois vision coverage includes medically necessary contact lenses.

Contact lenses are medically necessary if you have a vision prescription that cant be addressed adequately with eyeglasses. Contacts can also be medically necessary for patients diagnosed with certain eye diseases. In all other cases, contacts are considered elective.

BlueCross BlueShield of Illinois have their vision benefits administered by EyeMed Vision Care.

Our eye doctors are also EyeMed providers, so no matter which company or plan you have, you’re covered at Eye Boutique.

Does Medicare Advantage Pay For Eye Exams And Glasses

Medicare Advantage is private insurance coverage, which means that its an alternative way to get your Medicare benefits. By law, it has to cover everything Original Medicare covers. At a minimum, Medicare Advantage covers eye exams whenever theyre covered by Original Medicare.

Most Medicare Advantage plans do include extra benefits such as routine vision and dental care. Since Medicare Advantage plans compete for new members, its in their business interest to offer extra benefits that are important to Medicare beneficiaries.

Because routine eye care isnt a standard Medicare benefit, plans can structure their vision coverage in different ways. Some pay the full cost of annual eye exams with network providers, others pay a flat amount toward care with any provider, and others offer discounts on eye exams and eyewear. Check the plan brochures to compare benefits.

You can use the Medicare Plan Finder to search for Medicare Advantage plans with vision coverage in your area. Medicare brokers are another good resource for information about local plans and provider networks.

Keep in mind that plans often change their benefits, so a plan with eye exam coverage this year may have different benefits next year. Be sure to read your Annual Notice of Change each fall so you know what to expect.

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When Can I Enroll In Vision Coverage Through Blue Cross Blue Shield

Vision coverage can generally be purchased at any time throughout the year. However, some plans may require you to wait until an open enrollment period if they will be added to an existing health insurance plan.

You may only enroll in a Medicare Advantage plan during certain times of the year, most notably during your Initial Enrollment Period and the Annual Enrollment Period, also known as the fall Medicare Open Enrollment Period .

Save Money On Eye Exams

Blue Cross Blue Shield Dental Insurance

Enjoy savings when you get an eye exam from a participating optometrist or ophthalmologist at Vision Discount Program locations. Get $5 off the regular fee for eyeglass eye exams. Or get $10 off exams for contact lenses.

Want to use another doctor? You can still save money on frames and lenses. Simply bring your prescriptions to a Vision Discount Program location.

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Dont Miss Out On Member Discounts

With a BCBS vision plan, you can save on frames, lenses and contact lenses. But your plan might also offer additional perks and discounts that are often easily overlooked.

For example, depending on the plan, you may be able to save up to $800 on laser and other eye surgeries. Some BCBS vision plans offer extra benefits for kids, like free impact-resistant or transition lenses.

If youre a member of the 2022 FEP federal vision plan, a second in-network vision care exam and a second set of eyeglasses for children aged 13 and under will be covered.

The second in-network eye exam and eyeglasses benefit also covers adults with the following conditions:

  • Head and neck cancer patients going through radiation therapy

Review your BCBS vision plan benefits to make sure you dont miss out on any discounts that can save money and benefit your eye health.

See The Value Of Vision Coverage

For as little as $6.90 per month, you can get vision coverage with one of the largest vision networks in California. Youll enjoy access to private-practice optometrists and ophthalmologists as well as convenient locations like LensCrafters, Target, Walmart, and Costco. You can order contact lenses online and enjoy valuable LASIK discounts through QualSight LASIK and NVISION Laser Eye Centers.

  • Ultimate Vision 15/25/150*: A comprehensive vision plan that features a $150 frame allowance and many lens options
  • Ultimate Vision 15/25/120*: If you are looking to save a little money without sacrificing dependable benefits, this plan may be right for you
  • Specialty DuoSM dental + vision package*: Offers the convenience of vision and dental coverage in a single package

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What You Pay For Home Health Services

All eligible Medicare recipients pay the following for home health services:6

  • $0 for home health services
  • 20% of the Medicare-approved amount for like a walker, wheelchair or hospital bed

Before home health care begins, your home health agency should explain your bill. This includes what Medicare will help cover, what Medicare wont cover and how much youll owe . The details of what isnt covered by Medicare must be given to you in an before you receive any uncovered items or services.7

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Blue Cross Blue Shield Medicare Advantage Pros And Cons

BCBST Careers | Working in Claims
Pros
  • $0 premiums in many areas: Blue Cross Blue Shield Medicare Advantage plans have low to no monthly premiums in many national areas.
  • SilverSneakers: Blue Cross Blue Shield offers SilverSneakers, a free gym membership with classes catered to Medicare beneficiaries.
  • Extra benefits: Most BCBS plans include additional items such as an Over-the-Counter allowance that allows you to buy things like toothpaste and aspirin. Many of their plans also offer coverage for routine dental, hearing, and vision services.
Cons
  • Most plans will require referrals: Most Medicare Advantage plans are HMOs. These plans require referrals to see specialists.
  • Networks: Since most Medicare Advantage plans are HMO or PPO-styled plans, staying in the network is important. To use the benefits of an HMO plan, you must use in-network healthcare providers unless its an emergency.
  • Plan authorization by a non-medical plan administrator: Since these plans take over for your Original Medicare, they are not in charge of plan authorization for service. They will have a plan administrator that decides if a particular treatment or procedure is approved or if a lower-cost or different treatment should be tried first.

Pro Tip: If youre looking for a Medicare Advantage plan with no monthly premiums, check out our rundown of free Medicare Advantage plans.

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Maximize Your Benefits For Eye Exams Glasses And Contact Lenses

Our goal is to help you maximize your insurance benefits and make the best decisions for your eye health and vision needs. There may be additional discounts available to you depending on the details of your vision program. Let our optical experts guide you towards the best use of your benefits whether you need a comprehensive eye examination or just want to update your look.

Does Medicare Cover Eye Surgery

Although Medicare doesnt cover vision, hearing, or dental procedures, there are certain exceptions. For instance, if you require eye surgery or have a chronic eye condition that puts you at high risk, Medicare can cover cataract surgery or exams for high-risk patients with diabetes.

Medicare can cover cataract surgery with the exception that its done using traditional surgical techniques or lasers. Medicare would be able to cover 80 percent of the cost of medically necessary cataract surgery after the deductible is met. Additionally, Medicare Part B can help pay for corrective lenses after youve undergone cataract surgery to implant an intraocular lens. If the procedure is deemed medically necessary, the corrective lenses would be covered by Medicare.

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What Is Blue Cross Blue Shield

Blue Cross Blue Shield is a major health insurance provider, including Blue Cross Blue Shield vision insurance. BCBS vision insurance covers a vision network of more than 117,000 providers and several top vision care chains. A BCBS vision plan can help save money on eye exams and eyewear.

Even if you dont wear glasses or contacts, a Blue Cross vision insurance plan can still help you and your family stay on top of your overall eye health with routine eye exams. Blue Cross Blue Shield offers family and individual vision insurance plans, as well as employer-sponsored group plans.

Upgrade Eyewear With Vision Plan Discounts

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Once youre enrolled in a Blue Cross Blue Shield vision plan, start using your plans benefits right away. In addition to your vision plans annual eye exam, your plan may offer discounts and special promotions to help you save money.

For example, if you want to get prescription sunglasses, your plan might offer a discount that makes quality sunglasses more affordable.

Perhaps youve had your eye on a pair of expensive frames that were out of your price range. Or maybe you suffer from dry eyes or headaches when staring at a computer screen for hours at a time. If thats the case, your BCBS vision plan may help you buy a pair of computer glasses to ease eye strain.

Basic computer glasses are generally affordable. If you want high-end frames, multifocal lenses or progressive lenses, your vision plan can go a long way toward lowering the cost.

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Put Your Bcbs Vision Plan Benefits To Work

Getting the most from your vision plan benefits can help you and your family stay in good eye health. Start with routine eye exams, making sure you understand what your plan covers as far as eyewear or contact lenses.

And be sure to take advantage of any frame or lens benefits and allowances, along with other member discounts provided by your Blue Cross Blue Shield vision insurance plan.

How Do I Enroll In Blue Cross Blue Shield Vision Coverage

Speaking with an insurance agent is a great way to enroll in a Medicare Advantage plan. A licensed agent can help you review all the plan options available in your area, go over the costs and coverage included with each and answer any questions you may have about the plans. You can also compare plans online for free, with no obligation to enroll.

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Does My State Offer Blue Cross Blue Shield Vision Insurance

Not all states offer Blue Cross Blue Shield vision insurance. Its important to note that benefits and prices of BCBS vision insurance plans vary, depending on where you live and the type of plan. Cost and benefits of individual vs. employer-sponsored plans may also differ among plans.

To find out which Blue Cross Blue Shield company provides health insurance in your state, visit the BCBS website. Select the BCBS company for your state to search for information about vision plans and pricing. If your employer offers a Blue Cross Blue Shield vision insurance plan, contact your human resources department to learn more about plan details.

If you have a Blue Cross Blue Shield vision plan, here are 5 ways to get the most from your vision plan benefits.

What Kind Of Vision Care Is Covered By Blue Cross Blue Shield

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A Blue Cross Blue Shield insurance plan that includes vision benefits can cover things like annual eye exams, eyeglasses, contact lenses, screenings for various eye conditions, cataract surgery and LASIK eye surgery.

Not every BCBS plan is available in every location, and the benefits offered by plans can vary. Some BCBS plans may not offer vision benefits, so be sure to ask an insurance agent to help you explore all of the plan benefits before you enroll.

Its typical for Blue Cross Blue Shield to offer a couple different plan options to consumers. One plan option may feature a lower monthly premium but with no allowances available for frames or lenses, while another plan option may come with a higher premium but includes allowances for frames, eyeglass lenses and contact lenses.

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Make An Appointment For An Eye Exam

Schedule your annual eye exam covered by your plan as soon as you can. That way, you get an early start on getting the most from your Blue Cross Blue Shield vision plan benefits.

With a comprehensive eye exam, an eye doctor will examine your eyes to see if you need glasses or contact lenses. If you already wear glasses or contacts, the doctor will check your vision to see if you need a new prescription. But the benefits of an eye exam extend further than just eyewear or contact lenses.

During the exam, the eye doctor also examines your eyes for signs of certain eye-related medical conditions and diseases. Your eye doctor can detect cataracts, glaucoma and macular degeneration, for example.

An eye doctor may also notice signs of other serious medical conditions like diabetes and high blood pressure during an eye exam.

Make an appointment for the eye exam covered by your Blue Cross Blue Shield vision plan right away. Routine eye exams are essential to both your vision and your eye health.

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How Much Does Bluecross Blueshield Cover For Eyeglasses

How much coverage is available for eyeglasses varies by plan. Most BCBS vision plans include an annual or biannual frame allowance, and a copay for standard optical lenses. If you want to upgrade your lenses or add treatments there may be additional copays or out-of-pocket costs. Were happy to check your BCBS vision benefits for you and explain whats covered.

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Does Medicare Cover Eyelid Surgery

Eyelid surgery may be covered by Medicare if it is considered medically necessary and reconstructive .

Medicare Advantage plans cover eyelid surgery if it is considered medically necessary by your doctor, and they also offer an annual out-of-pocket spending limit, which Medicare Part A and Part B do not offer.

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Cataract Surgery And Medicare

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Now that you know a little more about Medicare and cataracts that dont require surgery, lets take a look at surgical options.

Cataract surgery is a simple procedure that involves replacing the natural lens in the affected eye with an artificial one. If you have cataracts in both eyes, youll likely have it performed on one eye at a time.

Since cataract surgery is typically performed on an outpatient basis, its covered under your Medicare Part B benefits. Medicare Part B also covers:

  • Eye exams to diagnose serious vision problems
  • Pre-surgery eye exams

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How Can I Find Eye Doctors Near Me

To find eye doctors or specialists near you that accept Medicare, you can use our plan finder tool. Simply type in your zip code and find plans that include vision care services.

Along with visiting your ophthalmologist or optometrist regularly, you can protect your eyes by doing the following:

  • Wearing good quality sunglasses when youre outside
  • Quitting smoking or using other tobacco products
  • Eating a healthy diet full of nutrients from fresh fruit and vegetables
  • Engaging in physical activity every day
  • Keeping your blood pressure at a healthy level
  • Managing blood sugar levels
  • Avoiding eye strain from too much screen time

Protecting your vision is vital to staying independent and healthy in your senior years, so its important to have information about how your Medicare insurance covers vision care services and how to find eye doctors who accept Medicare near you.

TIP: Use the Medicare plan finder to help you find out which plans offer the best vision services and compare them against your existing coverage.

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