Vision insurance often works differently than standard health insurance and can be confusing. It’s important for people with eyeglasses to understand the benefits of their insurance to avoid having to pay their bills out-of-pocket. Here is a quick guide to vision insurance.
How Does Vision Insurance Work?
Much like a conventional health insurance plan, vision insurance has monthly premiums. Only some treatments and services will be covered by the insurance company, while some costs will be paid out-of-pocket. There are vision discount plans, which offer financial assistance for eye care treatments. With a discount plan, the monthly payments will be lower, but you’ll also assume more of the costs for treatment.
What Does Vision Insurance Cover?
Visits to your eye doctor for exams and testing are generally covered. It will also pay for a portion of the costs for eyeglasses and contact lenses. Some policies cover laser eye surgery, which is used to permanently correct nearsightedness, farsightedness, and other eye disorders.
What Isn’t Covered by Vision Insurance?
If you are diagnosed with a serious eye condition, the subsequent treatment provided by an ophthalmologist likely won’t be covered. However, many medical insurance plans will cover procedures for eye conditions, so it’s worthwhile to check with your provider.
How Much Does Vision Insurance Cost?
In general, vision plans are quite affordable; some are $20 a month or even less. However, with cheaper plans, you’ll be responsible for more of the costs. Sign up for a plan with a higher premium to reduce some of the out-of-pocket expenses.
Understanding your vision plan can be confusing, which is why Alexander Eye Associates & Optical, located in Monroe County, NY, helps their patients make sense of their policies. If you need eyeglasses, their skilled team will work with you to find frames and lenses that fit with your budget. They also offer comprehensive eye exams to identify issues, as well as laser eye surgery to improve your vision. Call (585) 325-3070 to schedule an appointment, or visit their website to view the eyeglasses and frames they sell.