Consider how often you see an eye doctor and whether or not your prescriptions change frequently to help you decide if vision insurance is worth it for you. The value of vision insurance is different for each person. By getting the most out of your vision insurance benefits you will save money in the long run. Go to your preventive care appointments and follow your doctor’s recommendations. Stay in touch with the company and see if they offer any discounts or extra perks. If you purchase vision insurance, you want to get the most out of it. You also should know what the maximum coverage amounts are and if they apply yearly or lifetime. Price limits: Are there price limits or are certain brands excluded in the plan? Know how much allowance you will have to spend on glasses and contacts versus out-of-pocket costs.For example, a plan may not include coverage for contact lenses, so if you wear contacts, you’ll want to choose a different provider. You don’t want to sign up for a plan and not get the services you need. Exclusions: Know what the vision insurance policy doesn’t include.Some companies may offer full coverage while others may provide only a discount, and they may only offer the option for the services once per year while others may be more flexible. Type of coverage: Be familiar with what is covered, such as glasses, contacts, and eye exams.Network providers: Research where the in-network providers are and choose a company with options in your area.You will want to compare vision insurance companies on several factors including: Compare savings on plans that offer a percentage discount on services and ones that cap amounts per service or visit. Speak to your doctor about your needs and then discuss them with the insurance provider so everyone is on the same page.Īs is the case with all types of insurance, it’s recommended to shop around and compare providers. Think about things like if you need glasses, wear contacts, and if your prescriptions frequently change. If you need cataract surgery or want laser surgery you may need more coverage than someone who wants only a yearly eye exam. When trying to figure it out, assess your vision needs. The amount of vision insurance coverage you need varies greatly. At North Bay Eye Associates, we also accept cash and major credit cards.Ĭontact one of our offices to schedule your eye exam today.Guide to Choosing the Best Vision Insurance Company How Much Vision Insurance Coverage Do You Need? We accept various forms of payment and can discuss financing options with you prior to any examination. We do not want cost to be an obstacle to maintaining proper eye health and good vision. Our North Bay Eye staff understands that cost is a concern when evaluating vision care providers. FSAs can typically be used in conjunction with any vision insurance plan to offset any out-of-pocket costs on your behalf. Check with the benefits administrator at your work to see if you are eligible for this program. These plans are designed to let you save money in an account, pre-tax, to pay for additional medical expenses such as eye exams, glasses, contacts, and often laser vision surgery. Sometimes these are referred to as cafeteria plans and are elective, supplemental insurance savings plans. Many employers are offering Flexible Spending Account (FSA) options to employees.
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