8 things you need to know about your coverage:
Just like your regular medical insurance, vision insurance can be hard to understand. Sometimes the coverage details are not as clear as they seem to be. Well, here is what you should know:
- Most vision insurance is administered by a separate insurance company and is not part of your regular medical health insurance.
- Most vision insurance policies do not give you an insurance card, they usually use the policy holder’s personal information instead of an ID card.
- Vision insurance works differently from health insurance: you may have a copay for the exam, but if you are purchasing glasses or contact lenses it is more likely that you will receive a dollar amount or a percentage off the total cost of the items.
- Vision insurance covers an annual routine vision exam; however, if you have a medical issue with your eyes or need multiple exams within 12 months, this usually will not be covered by your vision insurance.
- Vision insurance covers either contact lenses or
- Out of pocket costs vary greatly between vision insurance plans. It is always a good idea to review you plan details.
- All vision insurances have a separate fee for a contact lens fitting, which is a different exam from the refractive exam.
- If you want to find out who your vision insurance is you can turn to the policy holder’s company’s benefits or human resources team. There may even be a benefits portal that will give you the answer.