Frequently asked vision care insurance questions | Benefit Specialists

What does vision care insurance cover?

Vision care insurance usually pays for the following basic services:

• A yearly eye examination, including refraction to check your vision
• Eyeglass lenses
• Eyeglass frames
• Contact lenses
• LASIK?and PRK vision correction procedures at a discounted rate

Your specific vision insurance plan may have a limit (such as every two years) on how often it will pay for lenses and frames.

Where Can I Buy Vision Care Insurance if I Can?t Get It From an Employer?

Similar to dental insurance, you may be able to purchase vision care coverage through a local business group, college alumni association, fraternal organization, or religious group. If you are over 65, you may have a vision care benefit if you are part of a Medicare Advantage Plan.

Should I Buy Vision Care Insurance?

If you wear corrective lenses and need periodic eye exams and changes in your eye lens prescription, it may be worthwhile to purchase vision care insurance. If you do not currently wear or need glasses, you may be able to get a periodic eye exam through your regular health insurance plan.

When you purchase vision insurance, whether it is a benefits package or a discount plan, you buy two products:

• Access to a network of eye care providers?who have agreed to provide services and/or products at reduced prices (either to you or to the company administering the plan). These providers typically are?optometrists?and general?ophthalmologist. In some cases, ophthalmologists who are refractive surgeons and provide?LASIK?and other vision correction procedures may be included.
• Specific eye care services and products, such as eye exams, eyeglasses and contact lenses. Therefore, when choosing a vision insurance plan, you need to evaluate both the eye care provider?and the services being offered.

For more information regarding vision care insurance, call Benefit Specialists?at (701) 492-7372.

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Source: http://benefitspecialists.biz/blog/2013/04/frequently-asked-vision-care-insurance-questions/

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