* What is the cost of my insurance coverage? Vision insurance provides coverage to your eye care and treatment needs, such as your glasses or contact lenses, eye surgeries, etc. The cost usually includes your premiums and co-payments. There are different levels of coverage depending on how much of your vision care you want to receive. There is a flat monthly fee that you pay in return for this coverage. So, it can be cheaper if you just need a few hundred dollars worth of coverage.
* What are the discounts available for vision insurance plans? Most insurance plans provide discounts if you purchase more than one type of coverage from the same provider. So, if you already have Medicare or Medicaid, you may qualify for a discount on your Vision Insurance. If you already have prescription drug coverage through your employer, trade union or a special program, check with your provider to find out if they also offer vision insurance plans.
* Are there any discounts for me as an individual plan holder? Some vision insurance companies have special individual plan discounts. You may qualify for a discount based upon your age, health status or if you already have another form of medical insurance. Check with your provider to find out what discounts you may qualify for.
* Do I need glasses or contacts for my glasses or contacts? Vision discount plans that provide coverage for glasses or contacts usually only cover a portion of the cost of the glasses or contact lens. In most cases, glasses or contacts will not be covered completely through Vision Discount Plan premiums. So, if you only need lenses occasionally, an individual vision insurance plan may not be the right choice for you.
* Do I need new lenses or contacts? Vision discount plans that cover new lenses only cover a portion of the cost of the glasses or contacts. Vision policies typically don't cover eye care needs such as yearly physicals or cleaning your contacts. Even if you do qualify for vision plans that provide coverage for new lenses, sometimes your eye care needs can be addressed through other programs. So, even if your prescription coverage does not include eye care needs, you may want to check into eye care coverage to provide extra coverage. It's also important to remember that different vision plans have different restrictions and limits than individual policies do.
* How often do I need glasses or contacts? Vision insurance plans generally provide coverage up to a year at a time. If you move frequently, or have a vision condition that changes over time, it may make more sense to purchase an individual insurance policy rather than going through a vision plan. However, if you are someone who purchases their prescription glasses on a regular basis, it makes more sense to stay with your eyeglasses insurance coverage to ensure you always have the right lenses and eye care necessary for your vision condition.
Vision insurance makes great sense for many people. Not only does it provide coverage options for your glasses or contact lens needs, but also it can help you save money on your annual eye exam. It's important to note that each individual is different and Vision Insurance plans work differently for everyone. Be sure to talk to an insurance professional to determine how much coverage is appropriate for your specific situation. You should also keep in mind that some insurance plans include extra services like monthly lens options or discounts on glasses or contact lenses, which can make a great deal of difference depending on how frequently you use them.