If you are someone with eyesight issues, you know how expensive it can be to have an eye exam, and pay for glasses or contacts. Having vision insurance can really help keep costs down. Here’s what you’ll want to know about this type of insurance, and what it covers.
One major perk of having vision insurance is that most plans cover the cost of a yearly eye exam. Many policies will completely pay for the annual exam, but check your plan to be sure. You may have to pay a set co-pay amount, or pay a percentage of the exam fee at the time of the service.
Frames and Lenses
Vision insurance will typically cover the expense of new glasses on a periodic basis, very commonly every one to two years. This portion of insurance coverage may provide an allotment toward the glasses of your choice, or have you select from a specific collection of frames. Lenses are usually standard plastic or glass without any extra options. Anti-glare and scratch-resistance are valuable options for which you may want to pay a little more.
Most vision insurances provide a set amount toward a year’s supply of contact lenses. Your optometrist will prescribe the best brand and type for your particular needs. Some people have conditions like astigmatisms or severe near- or far-sightedness, that requires specialized lenses which are more expensive than standard offerings. Though you may have to spend extra to get a year’s supply, be sure to change your contacts on the prescribed schedule to keep your eyes healthy and comfortable.
If your company offers vision insurance and you have already had eyesight issues, it can be a very minimal investment from your paycheck to cover all of your eye care needs. Talk to your optometrist’s office to see what plans are accepted, and to your employer about enrollment in your company’s plan. If you have any additional questions, or would like to schedule an appointment, please contact your Phoenix eye doctor.