Wondering if vision insurance is worth it? Feel in the dark about what your insurance will cover? Understanding vision insurance can feel overwhelming. That’s why we took the time to break down a few common vision insurance plans, so you feel confident taking care of your eyes. From the eye exam to buying glasses, insurance plans can vary, so check with your provider to know exactly what – and how much – is covered.
Most of us are familiar with the main types of employer vision coverage: a vision care benefits package and a discount vision plan. However, you may be uncertain about how vision insurance works. Here’s a quick breakdown:
Benefits Package - You’ll likely pay an annual or monthly fee and co-payment at time of service.
Discount Plan - Provides coverage at a discount after payment of an annual premium or membership fee.
Both - Generally cover eyeglasses, contact lenses and exams. May require that a deductible is paid before the benefits take effect.
Make a point to schedule an eye exam each year – the visit is likely covered by your vision insurance plan.
Your eye health is a reflection of your overall wellness. And while we all put things off, when it comes to health and vision keeping regular check-ups is the very best way to stay healthy. Take advantage of the benefits your vision insurance offers and schedule that eye exam. Worried about eye insurance, out-of-pocket costs, and just how to use vision insurance? Check your network for a list of in-network providers and then look for doctor’s offices that are near your home or workplace with hours that fit your schedule. And if you still need help understanding how vision insurance works, contact your provider and find out what your vision insurance coverage includes, and if you can use your FSA to cover any out-of-pocket expenses.
All family members need annual eye exams, even the little ones! Pediatricians recommend infants have a first eye exam around six months of age. By age three, toddlers are ready for their second appointment. Because 80% of kids’ learning is visual, early eye exams are key to your child’s growth. If your child needs glasses, make picking out frames a fun, style-minded outing. See what types of glasses may be covered by your vision insurance coverage. The right pair is part of getting your child off to a great start. Once you’ve got the basics down, start by scheduling eye exams for the entire family – it’s the best way to take care of your eyes, and your family’s too.