There is a lot of speculation about whether prescription glasses are insured or not. The truth is that coverage can vary from plan to plan. Health insurance will only cover the loss of vision and the prescription of glasses if you have damaged your eye due to an illness or an eye injury, possibly from an accident. So if you wear prescription glasses for your eyes because you have a routine vision problem, health insurance won’t cover them unless there’s “sight coverage” as part of the deal.
Now let’s talk about Vision Insurance. This insurance is granted as an added value when you take out group insurance. With Vision insurance you have access to a network of eye clinics, clinics and eye specialists. You receive discounts and insurance coverage for your vision-related treatments, even if they are routine in nature. The insurance also covers the assumption of costs for corrective glasses. Depending on your plan, you get annual coverage for eye exams, glasses, frames, LASIK discounts, and contact lenses.
If you take out vision insurance benefits as a supplement to your health insurance, you will have to pay an additional premium. There is also a deductible which is usually under $45. The premium for Vision insurance is about one hundred and forty-four dollars annually. Every plan is different and you need to make sure you read the fine print to see how much you will end up paying for the coverage. Also, you need to keep in mind that the insurance company pays a certain amount for certain sockets or contacts. For example, if you buy a fancy designer glass frame for yourself, you will have to pay extra out of pocket.
So before you book an eye doctor appointment, preferably at a network of hospitals covered by your plan, find out how it will benefit you. If you are treated by an eye doctor who is not part of the network, you will have to pay for the treatment out of pocket, but you will be paid for the prescription glasses that are part of the coverage.
Many vision insurance companies want the doctor to contact them and get pre-approval before treating you to see if you are covered. You will receive a vision insurance card, which you must show to the ophthalmologist. You may be asked to pay deductibles or co-payments associated with vision insurance. After the medical eye exam, the doctor will help you choose the frame you like. If the prescription glasses coverage is good, you can choose the highest quality ones with high prices
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