![]() Most systems support choosing contact lenses instead of glasses, but not both. Since vision coverage only includes one eye test and one pair of glasses annually, if your eyesight has to be checked for eyeglasses, you’ll have to wait until the next 12 or 24 months to have your medication updated under the plan. Vision insurance is distinct from other forms of health insurance since it only covers eye care treatments (usually once every 12 months, although some plans maybe every 24 months). You pay a monthly subscription in exchange for certain advantages, and the program covers part of the expenses of treatment in a way similar to Medicare.įurthermore, vision plans take advantage of provider networks, which enable you to save money by visiting in-network providers. Vision insurance supplements your regular healthcare coverage that gives value not covered in your initial plan. What’s the deal with having two different types of insurance? You can use these figures to assess the value received vs. For example, phrases like “$100 frame allowance” (or monetary amount) should appear. Most vision plans have a predetermined benefit amount. There are several factors to consider when deciding whether or not to get insurance. To pay for your eyeglasses and contacts, you can have both. Remember that you may still be required to pay deductibles and other out-of-pocket charges for each insurance plan. ![]() For example, you may obtain glasses for less money if you opt for secondary insurance rather than the primary one. If this is the case, you should compare the costs of the two insurances to see if the service would be cheaper if purchased separately. Is it, however, legal? Can I have two vision insurance plans for myself at the same time?Īs a general rule, a vision plan that includes contact lenses may also include a separate procedure that covers frames. For example, a child under the age of 26 may be covered both by his parents’ insurance and by the insurance provided by his place of employment. Ensure you are taking care of all the visual needs of you and your family.People may be protected by two or more insurance policies simultaneously. That can help plan what to set aside for next year. Plan for next year! Ask your optometrist or their staff for an itemized bill. They can also help you pick out a perfect pair of spectacles or sunglasses that will be the perfect fit for your style. They work with individuals every year who are up against similar deadlines, so they can offer their expertise when it comes to which items are covered or not. If you aren’t sure exactly what you can spend your health spending account dollars on, talk with your optometrist or their office staff as they can point you in the right direction. If you don’t have an optometrist yet, find one here! Be sure to set your children up for success by simply scheduling an appointment with an optometrist in your area. Poor vision can lead to learning problems and low self-esteem. Vision correction benefits children in the classroom both academically and emotionally. Updating your glasses for optimal vision, having a backup to your contact lenses or just looking fantastic is a great use of those funds.ĭon’t forget about the rest of your family! 80% of information we take in every day is visual. Your glasses protect your eyes daily from harmful UV and blue light. If you wear contact lenses, replacing those lenses at the prescribed frequency is an integral part of your continued eye health and reduces your risk of infection and irritation. Your HSA/FSA account can also be used for glasses and contact lenses. ![]() Not only will your comprehensive eye exam give you insight into your overall health, but it will also make you aware of any vision or eye health problems that you need to consider and correct. Knowing what is going on with your health will help you decide the next steps you need to take. ![]() A comprehensive eye exam is a great way to check in on your overall health, as optometrists can diagnose over 270 diseases. You could utilize your health funds towards an annual comprehensive eye examination. What better way to use these funds than by ensuring that your vision and eye health are taken care of and in the best shape possible. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are great benefits for your health, however the dollars that have been put aside are use-it-or-lose-it and will likely be forfeited if not used by the December deadline. The end of the year is fast approaching, and your health benefits are expiring! You might already be feeling anxiety for the upcoming holiday season, but don’t let worry set in about any health funds that you haven’t spent yet for the year.
0 Comments
Leave a Reply. |