Thursday, April 11, 2024

Does Vision Insurance Cover Contacts

What Is Vision Insurance And What Does It Cost

What Is Vision Insurance?

By Amy Hellem reviewed by Gary Heiting, OD

The term “vision insurance” is commonly used to describe health and wellness plans designed to reduce your costs for routine preventive eye care and prescription eyewear . Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK.

But unlike major medical insurance policies that may provide unlimited benefits after a certain co-pays and deductibles are met, most vision insurance plans are discount plans or wellness benefit plans that provide specific benefits and discounts for an annual premium.

In effect, these vision discount and wellness benefits plans offer savings much like a gift card. As such, they can be used to cover much of the cost of basic eyewear, or they can be used to make premium eyewear products and enhancements such as progressive lenses, anti-reflective coating and significantly more affordable.

When purchasing “vision insurance,” be sure you fully understand the costs and benefits associated with the plan you are considering. Also, if you have vision care coverage through a plan at work, be aware that “vision insurance” plans usually operate differently than other health insurance plans or major medical insurance.

It’s always a good idea to ask the business staff at your eye doctor’s office to advise you of the specific benefits of your vision plan prior to your exam and eyewear purchase so there are no surprises afterward.

How Much Could You Save With Vision Insurance

Generally, the only eye care covered by regular health insurance is due to illness, injury, or other major medical problem that involves the eyes. Health insurance does not cover eye exams, glasses, or related expenses. Without vision insurance, you are responsible for paying the full price for eye exams and any initial or replacement eyeglass lenses, frames, or contacts.

Generally, insurance companies offer two types of vision insurance: benefits packages that give you access to a capped dollar amount of services and products and discount plans simply give you a predetermined discount, such as 20% on qualified services.

The amount of savings generated by your vision plan will depend on how many new products and services you purchase in a year. For example, according to Vision Service Plan, the national average cost for the following products and services are as follows: $206 for an eye exam, $114 for a single lens, and $242 for frames, amounting to $562.

If you purchase a basic discount plan that costs $5 per month and that provides a 30% discount on all services and products, you would save about $108. Of course, plans and expenses vary, however, expect to save between $100 and $200.

How Do I Find Out Who My Vision Insurance Provider Is

With most insurance providers, the details of your vision insurance are easily accessible. But first, you need to know who your provider is!

If youâre not sure which company covers your vision insurance, here are some tips for finding your provider:

  • If you have a provider through your employer, ask your HR department or check your employee handbook to find details of which provider handles your vision insurance.
  • If you are a student and think you might be covered through your student benefits, reach out to the Student Union or ask your Resident Advisor for more information.
  • If you have a vision insurance card, look for the company logo and check out their website, or call the customer service number to get the provider details.

Also Check: Can Eye Strain Cause Blurry Vision

Is Vision Insurance Worth It If You Have Good Eyesight

Even if your vision is fine now, it may diminish subtly over the years as you age. In addition to checking whether you need a prescription or a prescription update, an eye care provider can catch signs of eye diseases or injuries. For example, during an eye exam, your eye doctor can detect the following:

In some cases, your eye doctor can catch these even if they have previously been undetected.

Costs And Other Savings Options

Does Optical Private Health Insurance Cover Eye Exams?

The average cost of contact lenses can vary. Contacts range in features from daily disposable lenses to those that correct astigmatism or act as bifocals. A basic pair of soft contact lenses you replace every 2 weeks usually costs about $22 to $26 for a box of six pairs. When you consider costs per eye, youll usually spend about $440 to $520 for contact lenses alone per year.

Youll also pay for accessories that help you take care of your contacts. These can include contact lens cases, contact lens solutions, and eye drops if you have dry eyes.

Well be honest: Its a little harder to get help paying for contacts compared to eyeglasses when you have vision needs. Because glasses last longer than contacts and can be used and reused from donated materials there are more organizations that may help you get a pair of free or low-cost eyeglasses. However, you can save money on your contacts through these approaches:

Also Check: What Does Od And Os Mean In Vision

How To Get Contacts Covered By Vision Insurance

  • Andrea Feucht, 02/16/2022 12:00 am

Contact lenses may offer you a new way to view your world with clarity. Perhaps you are a loyal contact lens wearer and you just want to know how to get the best coverage in the coming year. Maybe you are new to contacts and are wondering what the fuss is all about. No matter who you are or what questions you have, we have answers.

Whats appealing about contact lenses?

While some of us love having eyeglasses on our face to correct our vision and make a statement, contact lenses offer benefits that can be hard to pass up. For most people, one of the biggest benefits is not worrying about fogged up or dirty lenses. With changing weather conditions and the situations where wearing a mask is advised, its easy for a pair of regular glasses to fog up, get dirty, or get in the way.

Convenience with outdoor activities and other action-oriented tasks is also high on the list of contact lens benefits. You can wear any sunglasses you like with contacts, and easily put on goggles for skiing or other high-impact activities.

What are the different types of contact lenses?

Thanks to advancements in medical technology, contact lenses have far more options for comfort and daily wear than ever before. According to the American Optometric Association, contact lens types include:

– Rigid Gas-Permeable these hard lenses are long lasting, can correct more vision conditions than soft lenses, and some can be worn overnight

Where can I buy contact lenses?

Eyemed Individual & Family Plans

Ive purchased an EyeMed Individual Plan. Is there a waiting period?

Youre in luck. There are no waiting periods. You can begin using your benefits on the first day of your effective date.

Will I get an ID card for my Individual Plan?

Youll receive an ID card once you enroll, even though you dont need it to receive service. For EyeMed Individual members only, that is if you have not enrolled through an employer, contact 844.225.3107 if you need a replacement card for your EyeMed Individual policy. If you are an EyeMed member through your employer contact 866.939.3633.

What is covered under my Individual Plan?

Depending on the plan selected, your plan may include an eye exam and discounts on glasses and lens options, or an eye exam, glasses . Check your benefit summary for specific details.

What are the termination of coverage provisions?
Where can I use my Individual or Family Plan benefits?

Search for an eye doctor and filter by whats important to you: hours, location, preferred brands even languages spoken.

Can I get both glasses and contacts?

Depending on the Individual or Family Plan selected, the policies will only cover glasses or contacts however members can receive 40% off another complete pair of eyeglasses and a 15% discount off conventional contact lenses once the covered benefit has been used. Discounts are not insured benefits. Some in-network providers may exclude some discounts. Please ask your provider for an out-of-pocket amount for your purchase.

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Upgrade Eyewear With Vision Plan Discounts

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.

How Do You Buy Vision Insurance

Is Vision Insurance Worth the Money?

Unlike major medical insurance, you can sign up for visioninsurance anytime throughout the year.

eHealth is here to help you find the right vision insurance plan for your needs, with plans starting as low as $6.99/month. As the first and largest online health insurance brokerage, eHealths team of licensed agents can help you find compare all of your vision insurance options and find the perfect plan for your budget and needs.

Were here to be your ally when it comes to finding the right health insurance as well as vision coverage. Shop with us and lets find the right plan for you, together.

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Vision Insurance Versus Vision Discount Plans

Insurers may distinguish between “vision discount” and “vision insurance” plans. Each covers similar types of services and products, but the way you pay is different.

  • Vision discount plans: A vision discount plan covers a percentage of your fees for a covered exam or corrective eyewear. It often costs less than vision insurance but may offer less coverage.

  • Vision insurance plans: Vision insurance plans work like a health insurance plan. You may have a deductible, copay, and/or co-insurance to pay when you visit the eye doctor, and your insurance pays for the remaining covered costs. When you buy covered eye care products, you may have an allowance from your insurer. You’ll be responsible for the difference if the cost of the product exceeds your allowance. It’s possible to have insurance pay the whole cost of a product like glasses, but discount plans will typically pay only a percentage of the cost.

What Is Vision Insurance

Vision insurance is a health benefit that helps patients pay for eye care, such as comprehensive eye exams and prescription glasses and contacts. It is mechanically similar to medical insurance but has a much narrower scope of what is covered. For example, vision plans typically only cover services and products related to vision exams and vision correction.

Vision exams include examining and maintaining the general health of the eyes and prescribing vision correction in the form of glasses and contact lenses. Whether you have vision insurance or not, using our free price comparison tool will help you save money on your contact lenses and glasses.

Its important to note that vision insurance does not cover visits to the eye doctor for medical reasons. Examples of medical conditions related to the eye include cataracts, strabismus, ocular cancers, glaucoma, dry eye disease, , and other ailments. However, medical conditions of the eye are typically covered as part of standard health insurance plans.

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Does Vision Insurance Cover Glasses

Most vision insurance plans will give you an allowance towards contacts or glasses. This allowance or discount may vary depending on the plan you have.

You may also receive coverage for contacts or glasses if you buy through certain retailers. You may also receive an extra discount if you purchase from certain brands or retailers.

Optomap Does Not Replace Dilation

OPERS Health Care

Optomap® is an effective complement to dilated retinal exams because it provides a comprehensive view of almost the whole retina, and images can be used to monitor changes over time.

Depending on your eye health and the results of your Optomap® exam, your eye doctor may also require a dilated eye exam to further evaluate the retina and optic nerve.

Patients with diabetes need a dilated retinal exam to screen for retinopathy once a year, or as recommended by their eye doctor.

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What Is A Flexible Spending Account Or Health Savings Account

FSAs and HSAs are special accounts that allow you to put money aside to pay for certain out-of-pocket healthcare costs. There is a tax benefit for these accounts because you do not pay any taxes on this money. You can use the funds to pay for certain medical, dental, and vision expenses including vision exam copays, contact lens fitting fees and contact lens purchases.

The Best Vision Insurance For Contact Lenses

The best vision insurance makes it easy to get the services you need at a cost that works for your budget and comes out cheaper than paying for everything out of pocket.

Many employers offer vision insurance as a benefit, usually at a rate that can be deducted from your paycheck. If you are self-employed or don’t have access to employer-sponsored vision insurance, a vision provider like VSP is a good option with premiums at less than $20 a month for an individual, depending on your state and plan.

With a vision plan from Kasasa Care, the savings can be eye-opening.

  • A comprehensive exam could cost as little as $15, saving you an average of $166.

  • Prescription lenses and frames, depending on the brand you choose, can be a combined $70, saving you an average of $228.

So if youre a contacts-wearer , its clear that a vision plan can bring you significant savings. But if youre still unsure vision insurance is worth it for you, read more about that here.

For those looking to trade their eyeglasses in for something a little less noticeable, contacts may be for you and you dont have to break the bank for them. With a vision insurance plan from Kasasa Care and VSP, you dont even need corrective eyewear to see the savings youll receive!

Also Check: Ny Dmv Vision Test Form

How To Use Direct Billing At Clearly

Direct billing with Clearly is super easy â you can do it yourself in the checkout or visit your nearest Clearly store.

We can process claims for you and your dependents. Before shopping, make sure to:

  • Check your coverage so you know exactly what you can claim for
  • Have a valid prescription
  • The information on the prescription must match the person youâre claiming for

Are Eye Exams Covered By Vision Insurance

How does Vision Insurance work?

Yes, vision insurance almost always provides coverage for annual eye exams. Your plan might cover the exam completely or require a copaya set amount you pay for a service thats much lower than the cost would be without insurance. Often, copays for an eye exam fall in the range of $10$20.

How much are eye exams without insurance, you ask? Around $100 or more on average, but theres a lot of variation from office to office.

Read Also: Bellevue Vision Clinic Bellevue Ne

Who Can I Contact With Questions Or For Help In Locating A Participating Provider

For Davis Vision by MetLife or Superior Vision by MetLife call 833-EYE-LIFE . Available Monday through Friday 8AM 9PM ET and Saturday 9AM 4PM ET. IVR available 24/7.

For the MetLife Vision PPO plan you can call 24/7 at 1-855-MET-EYE1 . Available Monday through Saturday 9AM – 8PM ET. IVR available 24/7.

Alternatives To Vision Insurance

If vision insurance sounds too complicated, you don’t think you really need it, or you’re not sure if it will pay off, it’s fine to skip it. Unlike skipping health insurance, skipping vision insurance isn’t likely to land you in bankruptcy court or put your life in jeopardy.

There are a number of ways to get discounted vision care without purchasing vision insurance. Big-box retailers like Costco and Walmart have optical centers in some of their stores. The centers offer exams by licensed optometrists and sell reasonably priced glasses and contacts. Exam costs vary by location because the optometrists who staff them are independent of the retailers. Walmart lets you look at frames and their prices on its website.

If you’re not terribly particular about your frames, you can order a complete set of glasses through an online retailer at a stunningly cheap price. For example, how does $6.95 for both lenses and frames with $5.95 shipping sound? Some online stores will let you send them a pair of frames and they will add the prescription lenses. Discounted contact lenses are also available online. You will still need a prescription from an eye doctor when using these online services.

Read Also: Walmart Vision Center Union City

Why Choose Contact Lenses

We love glasses, but we also know theyre not always the right option. Playing sports, applying make-up, and even travelling can be made easier with the help of contact lenses. As well as the practical benefits, contact lenses are great option if you just want to change up your look from time to time.

Who Should Get Vision Insurance

Do health insurance plans cover cataract surgery?: Precision Eye Care ...

Are vision plans worth it for everyone? You may think no. But yes, this type of insurance can benefit everyone. Also, your vision insurance may cover more than just you it could also include your spouse and children.

Moreover, eye issues can be expensive to treat without insurance. Even the out-of-pocket costs to an optometrist or ophthalmologist can be well over what you would pay for a years worth of monthly premiums.

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