It’s all in the details…
A routine eye examination, frames with lenses or contact lenses are the usual coverage. Look closely at the details to find out which doctors you can see on your plan for the best coverage, and what frames and lenses you will need to choose from.
Several vision insurance companies own their frame manufacturing companies and lens making labs, and will cover you the most if you choose from the products they own. They will cover you for products outside the companies they own, but usually at a lessor amount. They will also cover you more for using Eye Doctors who agree to take a discount to be in the insurance’s network. (Agreeing to discount their professional services and having a license are usually the only requirements of doctors to be in network providers.)
Vision insurance usually does not cover medical office visits for such treatments as pink eye, floaters or glaucoma. Your Eye Doctor can treat these conditions and this type of visit would fall under your medical insurance.
It it all in the details when you are deciding to purchase vision insurance…
- Which Eye Doctors you will be able to see. (In some states like Alaska, an insurance company has to reimburse for the services provided by an Eye Doctor even if they are out of network, but they have the right to reimburse at a lessor amount.)
- Which products do you have to choose from and where do you have to go to purchase those products.
- Compare the cost of your vision insurance, co-pay and the actual amount they will cover of your eye examination and eye wear, over a year period of time, and see if paying for vision insurance is a better deal then paying out of pocket.