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Does Vision Insurance Cover Sunglasses

Does Your Existing Insurance Policy Cover Sunglasses

What Is Vision Insurance?

If youre a current homeowner’s or renter’s insurance policyholder, its possible that your expensive sunglasses may already be covered.

However, policies vary, so double-check your coverage to guarantee your sunglasses are included and under what circumstances theyll be eligible for replacement.

Talk with your insurance agent to learn what kind of coverage you have in place and whether you may benefit from additional protections.

Maximizing Vision Insurance With An Fsa Or Hsa

If youre enrolled in a flexible spending account or a health savings account , you might be able to save even more money on sunglasses.

FSAs and HSAs are special accounts that allow you to pay for eligible health expenses certain vision expenses included with your own pre-tax dollars. These funds are directly withdrawn from every paycheck in equal amounts throughout the year.

The benefits of vision insurance and an FSA or HSA can be stacked, meaning you can use vision insurance to reduce the cost of an expense, then use one of your health accounts to pay with pre-tax FSA dollars.

In addition to your vision insurance savings, an FSA or HSA can save you about 30 cents on every dollar you contribute.

Are There Other Options For Replacing Lost Sunglasses

When shopping for pricier eyewear, sunglasses or otherwise, ask your optical provider for information about warranties and replacement policies.

If your shades are eligible for these programs and youre satisfied with the parameters, you may not need to bother with insurance.

You also may want to check the benefits of the credit card you used to buy your lost or stolen sunglasses. Some credit card issuers offer a purchase protection program or extend manufacturer warranties on items purchased with your card.

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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.

Need Help Finding A Plan

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Answer a few questions to see which insurance options may be available for you.

Footnotes

  • Primary insured must be 18 years of age or older.
  • Vision plans are administered by Spectera, Inc. 12-month initial policy term required . See plan brochure for specific information.
  • Available in most states. Additional premium required.
  • Recommended Reading: Glasses Prescription For 20/40 Vision

    Is Vision Insurance Worth It

    Whether or not it makes sense to purchase vision insurance will be different for each person and their situation. Consider how often you see an eye doctor and whether or not your prescriptions change frequently to help you decide if vision insurance is worth it for you.

    The average eye exam without insurance can cost upward of $150, with the average pair of glasses with lenses in the $200 to $300 range.

    Assume your average annual costs are one exam at $150 and a mid-range pair of glasses costing $250 your total annual out-of-pocket cost would be $400. If you paid $15 a month for 12 months for coverage, with an annual vision checkup and pair of glasses covered, you would save $220.

    If your vision is fine and you just want a check-up every few years, vision insurance may not be worth it for you.

    What Appointments Procedures And Prescriptions Are Generally Covered By Vision Insurance

    You can expect vision insurance to cover all or a portions of the cost for things like:

    • Routine preventative eye care
    • Prescription eyewear
    • Sometimes elective vision correction surgery, like LASIK and PRK

    Unlike major medical insurance policies that may provide unlimited coverage after co-pays or deductibles are met, you cannot expect this with most vision plans. Most vision plans are discount plans or wellness benefit plans and will provide specific benefits and discounts for an annual premium.

    If you have an eye disease, you can usually find coverage under a major medical condition. For instance, if you have eye complications from something like diabetes, high blood pressure, or cataracts, then your health insurance plan would cover the treatment.

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    What To Do When You Lose Or Break Your Sunglasses

    If your sunglasses go missing or shatter and youre not covered by the manufacturers warranty, your insurance policy or a credit card perk, you need replacement sunglasses to protect your eyes from the suns harmful UV rays.

    And if you are spending a lot for your replacement sunglasses, think through how you will cover yet another pair of shades if your replacement sunnies meet an unfortunate end.

    Your neighborhood optical shop or favorite online eyewear retailer has details on sunglasses warranties, then weigh whether your insurance would cover any loss or if you need or want additional coverage.

    And, of course, be more careful with your replacement sunglasses.

    NEED TO BUY A REPLACEMENT PAIR OF SUNGLASSES?Shop for sunglasses at an optical shop near you or at an online eyewear retailer.

    Page published on Friday, March 27, 2020

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    How Can You Get Vision Insurance Through Vsp

    Aflac Vision Insurance

    VSPs vast network of providers and quality benefits have made it one of the most popular options for vision insurance. If the company you work for offers vision benefits, you can see if VSP is an option for eye care. Your employer may include VSP as part of a standard benefits package, or it may be available to you at an additional cost. Check with your human resources department to see if VSP is available to you and whether you qualify for it.

    If youre not happy with your employers vision coverage or if your company doesnt offer eye care insurance, you can purchase VSP on your own. Premium costs depend on where you live and what coverage options you want. You can purchase coverage for yourself or for your entire family, which will also determine how much youll pay.

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    Are Sunglasses Really That Important

    Some people wonder if sunglasses are necessary, but theyre more than just a fashion statement. Sunglasses give your eyes crucial protection against both the harsh light and harmful ultraviolet rays of the sun. Its easy to see how sunglasses help shade your eyes from sunlight, and they come in handy for keeping you comfortable when its sunny and bright outside. The glare protection that sunglasses give you also helps preserve your vision.

    Sunglasses serve the same function for your eyes that sunscreen does for your skin. The sun emits ultraviolet rays that can do damage to your body, and sunglasses help guard your eyes against those rays. Additionally, sunglasses help prevent aging because they shield the skin around your eyes which is some of the thinnest, most delicate skin anywhere on your body from damage. Sunglasses really do much more than make you look stylish.

    How Do You Buy Vision Insurance

    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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    Benefits Of Having Vision Insurance

    There are many benefits to having vision insurance, but the biggest benefit is that it could help you save money. It can make the cost of going to the eye doctor more affordable, particularly for an annual visit or exams. Furthermore, if you wear glasses or contacts, they can be expensive out-of-pocket. Vision insurance can help you save a significant amount of money on your glasses and contacts.

    The average cost of an eye exam without insurance is around $150.

    Vision Insurance May Partially Cover Prescription Sunglasses

    Davis Vision

    As the days get longer and the temperature gets warmer, you are probably spending a lot more time outside. But overexposure to ultraviolet rays can cause eye and vision problems.

    To protect yourself from these harmful rays, you will need a quality pair of sunglasses. If you already wear prescription glasses, prescription sunglasses might be your best option to block out UV rays and correct your vision, but the costs can add up quickly. However, vision insurance may be able to help you cover some of the costs.

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    When It Comes To Your Vision We’ve Got You Covered

    With Unum Vision Insurance, you have the flexibility to see any vision care provider and purchase materials at any location, including thousands of independent optometrists. Plus, you can visit top retail providers such as Walmart®, Sam’s Club®, Costco Optical®, Pearl Vision, Sears Optical®, Target Optical, and JCPenney Optical®.

    What Does This Mean

    Allowance The amount of money you can put towards your frames, contact lenses or other purchase. For example, if you have a $100 allowance for frames and you purchase frames that are $150, you pay $50 out-of-pocket.

    Anti-reflective coating By allowing more light into your eye, anti-reflective coatings are designed to greatly reduce reflections on your lenses that can compromise visual clarity. This means you may see better. An AR coating can also help improve your night vision and make night driving safer. The reduced glare allows others to see your eyes more clearly, too.

    Bifocal lenses Bifocal lenses includes two different areas of vision correction, which are divided by a distinct line that sits horizontally across the lens. The top portion of the lens is used for distance and the bottom portion of the lens is used for closer vision.

    Claim A request for payment of benefits if you go to an in-network eye doctor, theyll send this to EyeMed so you dont have to.

    Conventional contact lenses Contact lenses designed for long-term use can be either daily or extended wear.

    Copay A fixed amount that you pay out-of-pocket at the time of your visit. Check your plan details for your specific copays and benefits.

    Dependent A members spouse or child who meets criteria outlined by your specific plan.

    Disposable contact lenses Contact lenses designed to be thrown away daily, weekly, bi-weekly, monthly or quarterly.

    Eligible Approved to receive benefits.

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    Who Is Vision Insurance Right For

    Vision insurance is a good idea for anyone who requiresglasses or contacts, or may need them in the future.

    Its a good idea to get vision insurance so that yearly preventative care is covered. This can help not only get you glasses or contacts when you need them, but help diagnose any eye disease early.

    Vision insurance comes at a fairly low-cost per month, making it a good idea to have just in case.

    Vision Insurance And The Affordable Care Act

    Aflac Vision Insurance & Coverage

    Under the Affordable Care Act , all qualified health plans are required to offer pediatric vision coverage, including an annual eye exam and some material benefits , for all patients under the age of 19. However, most qualified health plans do not offer adult vision coverage, such as coverage for any refractive errors or mild eye diseases like conjunctivitis. If you need adult vision coverage, including coverage for an annual eye exam plus material benefits , its probably a good idea for you to purchase a vision insurance plan.

    If you have a major eye disease however, including glaucoma, cataracts, amblyopia, strabismus, diabetic retinopathy, and age-related macular degeneration, you can receive coverage for your eye disease through qualified health plans, because all of these ailments are generally considered to be medical problems and can be billed to your medical health plan. Many medical health plans will also cover eye surgery when necessary, most commonly for glaucoma and similar eye diseases.

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    What Is Vision Insurance And What Does It Cover

    BY Anna Porretta Updated on July 26, 2021

    Whether you currently have vision insurance or youre looking into purchasing vision insurance, you probably have questions on what it covers, if its worth the cost, and more. eHealth can help walk you through all the questions you might have and, if youre ready, help you find a vision insurance plan thats right for you.

    Does Insurance Cover Lost Sunglasses

    Homeowners, condo or renters insurance usually wont cover the cost of lost items and will only replace the item if its considered a covered loss due to fire, theft or vandalism.

    So what happens when you misplace your shades or accidentally break them? Is there any hope that your insurance company will cover the cost of replacing your sunglasses?

    Well, that all depends on your policy and whether you have add-ons like accidental damage and/or off-premises coverage.

    According to the Insurance Information Institute, most companies provide coverage for 50% to 70% of the amount of insurance on the structure of a home, including off-premises coverage. This specific coverage ensures that belongings are protected anywhere in the world, unless you have opted out.

    Expensive items may be covered, but there are usually dollar limits if your belongings are stolen, plus you will have to pay your deductible. For example, if youve lost your $100 sunglasses and the deductible is $100, its likely youll need to just buy new sunglasses and pay out of pocket.

    NEED TO BUY A REPLACEMENT PAIR OF SUNGLASSES?Shop for sunglasses at an optical shop near you or at an online eyewear retailer.

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    Is Vision Insurance Worth It What You Should Know

    InvestopediaForbes AdvisorThe Motley Fool, CredibleInsider

    We all know health insurance is something you shouldn’t live without, but what about vision insurance? You can purchase vision insurance as a group benefit through your employer or as an individual policy. But how does the cost compare to the coverage you’ll receive?

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

    Eyemed Vision Insurance Plans

    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.

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    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.

    Benefits Of Wearing Sunglasses

    There are lots of good reasons for wearing prescription sunglasses. Since prescription sunglasses help correct your vision and provide shade, you wont need to juggle 2 pairs of glasses on a sunny day or worry about bringing contact lenses to the beach.

    There are some health benefits to wearing sunglasses, too. Sunglasses with UV protection are designed to help protect the eyes from the effects of ultraviolet radiation. Prolonged exposure to the suns UV rays can damage the eyes. It can also raise the chance of developing certain diseases, including age-related macular degeneration, cataracts or skin cancer on the eyelids. Wearing sunglasses is one way you can help shield your eyes from UV rays and protect your vision.2

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    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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