Is Your Health Insurance Covering Your Eyes?

Vision Care Insurance 101

Under the Affordable Care Act, health insurance is now required for everyone. However, this coverage requirement does not include vision coverage, which means your eyes may not be protected. Luckily, vision care insurance is available to help provide coverage for any vision care that you need.

A vision care insurance plan works much like any other health insurance plan. You pay premiums to your insurance company each month, and then get to benefit from discounted glasses, contacts, and vision exams. Some plans will also cover costs if you have permanently impaired vision or get diagnosed with an eye disorder, but make sure to look at each plan carefully to ensure that you have the protection that you need.

When deciding on which policy you need to invest in, make sure to take these factors into consideration to ensure that you invest in the right policy.

  • Check to see exactly how each insurance policy defines what is covered in an eye exam. If you see a doctor who includes services that are not covered by your policy, you will be left paying for the services out of your own pocket.
  • If you want special lenses with your glasses, such as anti-glare glasses or lightweight lenses, you may have to pay for the extra cost yourself if your plan only covers basic lenses.
  • Not all benefits are necessarily covered once every 12 months. Some plans may provide coverage once every 24 months.
  • Some plans will only cover glasses or contacts during a single benefit period, but not both. If you want to get both options, you will have to pay for the extra cost out of your own pocket.

To ensure that you have the right vision insurance plan to keep your eyes protected, contact the insurance professionals as Desert Empire Insurance in Palm Desert, California.