Before you start shopping for cheap eyeglasses online you’ll want to get a full understanding of your vision insurance so that you can get an idea of how much you’ll be spending for your eye exam and frames. Any kind of insurance can be more confusing that it absolutely has to be, and it’s important that you understand that medical insurance and vision insurance are two completely different things.
Medical vs. Vision
A majority of vision insurance plans don’t handle any type of medical diagnosis, testing, treatment or consultation. Your vision coverage will only take care of eyeglasses and medical coverage. If you have any kind of medical concerns that deal with your eyes, then they’ll be considered to be part of your medical insurance coverage. There are situations where a medical condition needs to be taken care of and corrected before the state of your vision can be adequately evaluated.
If there’s ever a time where you have a medical issue with your eyes and you only have vision coverage, you’ll want to ask to see if it’s okay for you to use your vision insurance and take care of the necessary medical costs out-of-pocket. This option is usually less expensive and easier than having to visit an optometrist as well as a medical doctor. There’s also the possibility that you can add a vision evaluation to your medical insurance for a small fee if it’s ever necessary.
Different Types of Vision Plans
It’s also important to note that not all vision insurance plans are created equal. You’ll want to carefully read over the terms of the plan before you sign anything. Even the most legitimate of vision plans can have special limitations, but one of the biggest issues with different types of vision plans is that the marketing can be a bit foggy or misleading.
One example of this is a vision insurance provider advertising complementary glasses, but neglecting to add that they’ll only send $20 for the frames. While your glasses might be covered on a plan, you’ll want to make sure that you ask about the kinds and brands of lenses that will be covered on your plan. It’s also recommended that you ask about warranties, upgrades, coatings, consultations, repairs and adjustments.
Glasses or Contacts
If you’d like to have both contact lenses and glasses, make sure that you read over your insurance plan beforehand since most of them will restrict you to getting either contacts or glasses rather than both. A majority of vision plans will pay out more for contacts than they do glasses. Those who would still like to wear both will be better off letting their insurance provider take care of the contact lenses.
Something else to think about is that the evaluation for your contact lenses is subtracted from the full sum of your coverage for contact lenses, which subtracts from the balance that you can use for all of the materials. Always bear in mind that your exam coverage only takes care of your eyeglass exam and not any services that are required for contact lens services.
If you have complicated eye conditions, you may have to pay more for your eye exams, so do everything you can to keep your eyes healthy, which includes getting quality lenses and frames and making sure that you do everything that your optometrist or medical doctor tells you.
Sometimes it’s not as easy for you to be able to determine how much you’ll have to pay out-of-pocket, but usually the more expensive your plan is the less you’ll have to pay for deductibles. There are exceptions to this rule, so make sure that you talk with your optometrist to see if they have any recommendations for vision insurance providers.
If you have friends and family who wear glasses or contact lenses, ask them if they have any recommendations for vision insurance providers.