Every year millions of individuals are faced with the question of whether or not to buy vision insurance with their major medical insurance. A study released by U.S. News and World Report offered some advice regarding how patients can save money when they purchase glasses or contact lenses. Many Vision Insurance plans restrict what a patient is entitled to and the quality of materials is many times limited to standard selections that may not enable the patient to see their best.
When Considering whether or not to buy Vision Insurance, U.S. News and World Report Recommends:
• Do the math before buying vision coverage. The report told consumers that just because their employers offer vision insurance, it doesn’t mean they should purchase it. Before signing up for a plan, consumers should calculate the cost over the course of a year, and then compare that to the amount they would spend out of pocket on a visit to see their eye doctor’s office, glasses, and contact lenses. The author cautioned that it may be cheaper for consumers to pay for those costs themselves, especially if they don’t purchase new glasses every year.
• Use flexible spending account funds. The report recommends consumers depositing pre-tax money into a flexible spending account, if their employer offers one, to pay for their eye care expenses. But, it says, consumers shouldn’t wait until the end of the year to use the funds, because they may feel rushed and make a mistake.
• More often, we are seeing vision insurance plans that severely limit the quality of product a patient is able to get with their benefit. For example, a particular vision insurance plan would not let a patient get a Custom Progressive High Definition lens that they were used to getting in the past. This Custom Progressive lens allowed the patient to have the widest field of vision at distance, intermediate and near. This is the best lens for all patients. Insurance is great but has limitations for the patient. The patient may have been used to this high definition lens, however her new vision insurance plan prohibited her for getting the lenses. This could lead the patient to have many problems with her vision, including increased distortion, eye strain and eye fatigue.
The Eyewear Gallery in Memphis, Tennessee specializes in Custom Fit Designer Eyewear, Custom Fit Sunglasses, Designer Sunglasses and Medical Eyecare. The Eyewear Gallery has experts that will make a recommendation based on each patient’s individual needs and lifestyle to get them seeing their very best everyday!
It is important to have a yearly eye exam even if you still think you are seeing fine out of your glasses. The only way to detect sight threatening problems is to have your eyes examined every year by your eye doctor. You don’t want to outlive your vision!
To schedule an appointment or learn more about Custom Fit Eyewear and Custom Fit Lenses, call 901-763-2020.
Dr. Warren Johnson | Dr. Do Nguyen | Dr. Burt Bodan