What does Vision Insurance really cover?


insurance card
Do you have a vision insurance plan? Vision plans may be a good choice to save money. A study released by U.S. News and World Report offered advice about whether to buy Vision Insurance.
U.S. News and World Report Recommends:
• Do the math before buying vision coverage. Calculate the cost over the course of a year, and compare that to the amount you would spend out of pocket on an eye exam, glasses, and/or contact lenses.  In addition, the patient should know that they will usually have to pay extra dollars for their glasses or contacts above what their vision plan covers.
It may be cheaper to pay for those costs yourself, especially if you don’t purchase new glasses every year. However, keep in mind that your eye health needs to be examined each year even if your glasses still work for you!

Most vision plans dictate what frame and lens materials a patient is allowed, how many pairs of glasses that a patient is entitled to, what doctors the patient must see, and restrictions on contact lenses. These restrictions limit the eye doctor’s ability to help the patient. Patients should not have to settle for lesser quality.   If you have a flexible spending account or a Health Savings Account that is usually better for the patient.  It is a tax writeoof using pre tax dollars and with no limitations on doctor choices glasses and lenses.

Vision Insurance plans are not all bad. Many people like the comfort of knowing they have this benefit. It may be easier for them to pay a monthly premium than self pay. Many times it does help the patient save money on their glasses but maybe not.

US News and World report did determine that the cost of a vision plan costs the covered person more than if they did not have vision insurance.
A comprehensive eye exam should explain a lot more than whether you need glasses or contacts. Your eye health is the most important but most people think they only need to have their eyes checked when they can’t see.

Yearly, the eye doctor should look for vision deterioration and have you return for more extensive testing. In this case your vision plan will not cover anything about your vision that is not related to glasses or contacts.  Your major medical plan will. The eye doctor that you choose for your vision plan should also be on your major medical insurance. If there is a sight threatening problem then the doctor will use your major medical insurance.
Whether you have vision insurance or not; have your eyes examined yearly. Glasses and contacts are important to help you see but the main reason to be seen yearly should be to prevent sight threatening problems. You never have to purchase new glasses or contacts. You don’t want to outlive your vision!

Eyewear Gallery in Memphis, Tennessee specializes in Medical Eyecare and Designer Eyewear. To schedule an appointment or learn more about Custom Fit Eyewear call 901-763-2020.
Dr. Warren Johnson | Dr. Do Nguyen

*Please schedule an Appointment! http://www.genbook.com/bookings/slot/reservation/30150274


About Eyewear Gallery

Eyewear Gallery was established 30 years ago and our office likes to write about many topics that are related to eyecare, glasses and stories that we hope you enjoy. We write about your vision, health and educational facts as well as some fun information. We pride ourselves in medical eyecare and designer eyewear and have received the Peoples Choice Award more than once. We have designer frames such as Lunor, Tiffany, Oliver Peoples and Tom Ford. We also have non designer eyewear and cater to all ages. We stock alot of sunglasses such as Oakley, Wiley X, Costa del Mar, Ray Ban and Maui Jim for sports and outdoor fun. Eyewear Gallery is also known as one of the few Custom Sports Sunglass providers in the USA in both prescription and non prescription. Please visit our website www.EyewearGallery.com Thanks for visiting and following our blogs.
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