How To Get The Most Out Of Your Vision Insurance

Watching television, reading news articles, and driving to work are some of the many activities you may perform daily. However, your ability to do such things depends on your eye health and vision. 

A routine eye exam will help keep your vision in check and allow for the detection of different eye concerns and issues about your overall health. An excellent way to ensure that you can continue enjoying the sights around you is to obtain vision insurance.

Basically, vision insurance is like regular medical insurance and is typically offered by employers as part of employee benefits. If you have vision insurance, you pay premiums, and the insurance company will cover the cost for your vision care needs. You can even save more when you buy eyeglasses with insurance online.

However, it’s essential to note that vision insurance won’t apply to all the costs related to your eye health other than your annual eye exam. However, there are some ways for you to make the most of your vision insurance plan, and those include the following:

Know Your Insurance Coverage

Before you start taking advantage of your vision insurance benefits, call your vision insurance provider or make an account online if you don’t have one yet. Then, review the important details of the policy such as lens enhancement coverage, frame allowance, and copays.

For convenience, you should request a membership card from your provider. Even if the majority of eye retailers don’t require physical cards, they’ll be helpful if you forgot your plan information, mainly if your policy includes health fund claim glasses.

Visit In-Network Eye Specialists

Another way to get the most out of your vision insurance is to use the services of in-network eye doctors to keep the costs low and get more discounts. To do this, check your insurance company’s list of in-network eye doctors and find the one nearest you.

Depending on your insurance coverage, you may be able to get reimbursement from other eye doctors. But the process may take time, and you’ll have to submit a claim and wait for approval before being reimbursed.

Take Advantage Of Extra Promos

Some optical retailers offer discounts when you purchase another pair of glasses. If you wear glasses regularly, this can be a great opportunity to buy a set of prescription sunglasses or eyeglasses. Usually, optical retailers will offer up to 20% off on your second pair of eyeglasses. Just make sure to plan your purchase in order to maximize your insurance coverage. However, keep in mind that the number of eyeglasses you can purchase may vary depending on your vision insurance coverage.

Schedule A Complete Eye Exam Annually

To maintain your overall eye health, you need to undergo a comprehensive eye exam yearly. A good time for everyone is summer when there are fewer schedules.

Everyone requires eye exams. For kids, vision screening is recommended to detect possible risk factors or amblyopia. Check with your children’s school if they offer eye exams, which are vital for kids as healthy vision can make a big difference in one’s learning experience.

For adults, it’s recommended to get an eye exam at least once every two years to improve your eyesight as you age. This is especially true for those who are at risk for glaucoma. If you’re experiencing some eye problems, never wait to schedule an appointment. If you have the following symptoms, visit the nearest eye doctor immediately:

• Flashes of light
• Circles around lights
• Floaters
• Double vision
• Eye pain
• Redness of the eye
• Decreased vision

Shop Smart For Lenses And Frames

The key to keeping your budget in check and shopping smart is turning to in-network providers to get the most coverage for contact lenses and frames. Keep an eye out for sales and discounts on particular frame brands.

When planning to shop online, make sure to purchase with caution. It’s crucial to ensure that your chosen retailer accepts vision insurance so you won’t be surprised by the costs. Comparing the rates of optical service providers is also advisable if you want to enjoy savings.

Use Vision Insurance For Lens Enhancements

Blue light reduction, photochromic lenses, and anti-reflective coating are some of the many advanced lens technologies you can try. However, such lens enhancements would add to the cost of your eyeglasses.

Every year, you can use your vision insurance to reduce the cost of lens enhancements. Whether or not you require a new prescription, swapping out your current lenses for better ones is worth the investment.

Conclusion

When it comes to vision insurance, be sure to read the summary of your benefits to know the things that are and aren’t covered in your plan. Remember that every insurance company has varying allowances for contacts, glasses, and lenses, so be mindful of what you should prioritize and what you need. If you don’t understand some parts of your vision insurance plan, call your insurance company for clarification.