The cost of vision care is the main factor in determining your eye care costs. A good eye care insurance policy will give you discounts for eyeglasses, contact lenses, glasses/sunglasses as well as other eye care services.
For a list of services that are covered under a good eye care policy, you should request a copy of the insurance policy before you buy it. If the coverage does not include eye care services, ask the agent to add these on. The agent will have a record of all new prescriptions that you have been issued by the optometrist.
The major providers of eye care services offer coverage for most eye-related issues. Your eye care provider can provide you with an up-to-date list of covered services and costs. This way you will know exactly what is covered and not covered by your current insurance.
The scope of your coverage will vary from insurer to insurer and may be limited to your yearly or annual examination, prescribed eyewear, contacts, prescriptions, and any surgeries you may need to have performed to correct your vision. Make sure you are aware of the conditions that are not covered, especially any treatments that you would consider cosmetics such as eyeglasses, contact lenses, and sunglass lenses.
Many individuals do not pay attention to what is included in their insurance when they make an application for an eye care policy. Look at your policy to make sure that you are not being charged for services that are not medically necessary.
Ask your optometrist to send a copy of your prescriptions to your eye care provider so that he or she can order a specific lens if necessary for your eyesight. This helps to maintain your vision and avoid the risk of having a corrective lens, which can be costly. Once you take off your lenses, you have no control over the amount of light entering your eyes, which could cause night blindness or reduced vision.
If you do need surgery, it is best to receive it under the guidelines of your eye care insurance policy. It is important to get the right prescriptions and follow the doctor’s orders because if you do not, you will have to pay for it out of pocket.
There are some procedures that you may be required to pay for under your eye care insurance policy. If you are having lasers or Lasik surgery, then you should ask if you need to purchase an eye insurance policy that includes the procedure. This will allow you to pay the full cost for the procedure and not have to pay it back.
If you are getting your eyesight corrected with an eye patch, lens, or gel, there is a chance that you could pay a high cost if you elect to use the product on your own. In this case, you will need to buy a policy that will cover the products, even if you decide to use them on your own. This way you will not have to incur the high cost of your own prescription.
When you go to an eye care provider for a routine checkup, he or she will be able to determine what the extent of your vision problems is, and you will be able to choose a plan that best suits your needs. Even though most eye care companies will sell you eye insurance policies that offer discount rates for eye care visits, many optometrists will not sell you a discount unless you have signed a contract with them.
These are just a few of the considerations that eye care providers have when deciding on a policy. You should always ask your eye care provider what the eye care insurance policy covers before you purchase it.
