What exactly is an Eye Insurance? When you buy a pair of sunglasses, you will pay a different price for the frames and lenses than what is paid for the glasses. Usually, your eye insurance will only cover your frames up to a certain amount. For instance, your eye insurance might give you a $ 200 total frame allowance. That means that if your total lens allowance goes beyond that amount, then the remainder of the lenses will need to be purchased from your eye insurance. If you don’t have eye insurance, or if your coverage is only for the frame, then you could be in trouble if something happens.
In order to get the correct eye insurance for your situation you need to talk with your eye doctor. Let them know that you are looking into buying a new pair of sunglasses, as well as any other eye care products. There is a difference between vision coverage and major medical coverage. Vision coverage covers your glasses if they become damaged or you need to have an eye exam. Major medical coverage covers your glasses or contacts if you have a major medical condition like glaucoma or cataracts, if you lose your eyesight, or if you are diagnosed with cancer.
One of the things that many people do not consider when buying a good pair of sunglasses is whether or not they need vision insurance. This can be extremely important, because if they don’t have vision coverage they may find themselves in a financial bind when it comes to buying a new set of eyewear. For instance, let’s say that you have a cheap pair of glasses that you wear every day, and suddenly have to have an eye exam. You would end up paying a lot more money to see an eye doctor than you would if you had a good vision insurance plan. On the flip side, let’s say that you do have health insurance, but it only covers the basic procedures like getting the flu shot or cleaning your teeth. If something should happen to your eyesight then you will have to pay for it out of pocket, which can be quite expensive.
However, there is good news if you need vision coverage. If you currently have health coverage, most likely it covers vision problems like glaucoma, cataracts, and diabetic retinopathy. Unfortunately, prescription drug coverage does not usually cover eye exams. Some people are forced to buy their prescriptions from their eye doctor, which can be very inconvenient, especially if they need a lot of prescription-strength eye drugs. It can also cost quite a bit.
If you have a good prescription coverage plan, but you still need some vision corrective eye exams, there is still hope for you. There are many discount providers that offer vision exams and prescription discounts for those who need them, but cannot afford the full price. Discount providers typically offer these services at discount rates, since they do not have the same overhead as other insurance companies. They typically operate on a “pay as you go” policy, where you pay a low monthly premium, so you can use your service without worrying about high bills. Once you have paid your monthly bill, they take care of any eye exams or vision correction procedures you need.
If your insurance plans only cover the basics, like annual exams and vision screening, there is even more good news. Eye doctors that participate in discount programs often provide additional vision care services for free to their patients. These include such things as computerized patient management programs, video conferencing, and the like. They can often provide these services for no cost to you, since the provider pays for most of their overhead costs.
Whether you need an eye exam every year or every two years, or something in between, there are some eye care discount providers that offer financing options. Just like with your health insurance plans, you can pay monthly premiums that are adjusted to reflect the amount of your deductible or co-payments. You can save money on co-pays and deductibles by choosing plans that have flexible payment terms. Even if you do not need vision correction, you can choose plans that offer an annual exam for free, and that require you to make your payments according to the month you spend your premiums.
Some discount providers offer discounts for buying your lenses through their websites. If you buy from a website that sells contact lenses instead of from the eye doctor, make sure you read the terms and conditions, as some insurance plans will exclude certain prescription lenses from being purchased. If you already have prescription glasses, contact your insurance company about the option of purchasing glasses with a discount card, rather than having them pre-order your glasses. These cards are easy to get online, and can save you hundreds of dollars off the retail price.