For those who wear glasses or contacts, have problems with vision, or for individuals who simply want to have their annual eye exam covered, the right vision insurance for individuals policy is going to cover those costs. All policies and insurers provide different coverage options and rates; prior to selecting your policy and provider, you have to know what those rates are, and what is covered. From the price of new lenses and frames, to the co pay you will pay when you go in for an eye exam, you have to find out what you are paying, and what you are saving, with the policy that you choose to purchase.
What is Covered?
When selecting your vision insurance for individuals policy, you have to know what is covered. Some of the coverage options will include:
– Eye exams and annual visits to the optometrist.
– New frames, glasses, or contacts, if you need to change your prescription.
– Cost of eye drops or other medication if required. – Office visit (apart from the co pay that you will pay when you go in for the exam).
These are generally covered with most insurance providers. But, you have to find out how much is covered. In most cases, an insurer is going to cover a certain dollar amount. This means if you want the name brand frames, you are going to be paying out of pocket for the remainder balance.
How Much Will You Pay?
Of course most people who have an insurance policy, purchase based on the best rates and coverage options. It is important to consider how much your monthly premium is, which in most cases, is far lower than health and other policy coverage. In most instances, with any policy you purchase, you will have a co pay when you go in for an eye exam; the exam, eye drops, and other medications will generally be covered. For most policies, your lenses are also going to be covered or contacts will be covered. Top insurance providers will also cover a certain dollar amount for your frames; if they are a low priced frame, they tend to be covered; but, for those who want designer name frames, or pricey transition lenses, the additional cost will come out of pocket.
Is The Cost Of Surgery Covered?
If glasses or contacts are not the solution, today most vision insurance for individuals policies will cover insurance; of course the policy will cost more monthly if it is to cover these policies. It will of course require your optometrist to sign off as a necessary procedure, if the vision is so distorted, it can’t be corrected with glasses or contacts. Additionally, many insurance providers are going to ask for a second opinion, if you have to have surgery, in order to correct your vision problems.
With most insurance providers, you also have to consider the type of surgical procedure you need to have. Like medical insurance, if you need an emergency surgery or office visit, only certain policy levels will cover that, or the visit to the specialist you have to see; it works in a similar manner with your vision insurance for individuals policy. It is important to find out what procedure you must have, and you must find the insurance providers that will cover that operation, and will cover the entire cost. Many eye surgeries can cost $15,000 and up; for this reason, before deciding on a policy, you have to know what procedures it will cover, what proof you must show for the procedure to be covered, and up to what dollar amount the policy will cover, in the event you do have to have surgery, for corrective vision.
Is There An Annual Minimum?
With certain policies, you might be required to pay an annual minimum to have the policy; due to the fact that most people do not visit the optometrist regularly, it is not something they think about often. For this reason, when you are considering and comparing the insurance providers, and the vision insurance for individuals policies they offer, you have to know what the lowest price coverage is, and what it covers. Comparatively, you have to find out what the more expensive policies cover, especially if you do visit the optometrist more often.
Is Your Optometrist Covered?
Generally, vision policies are lenient with the optometrist you visit; since most people go to larger offices, most are covered with most insurance providers. But, if you do go to an independent office, make sure your doctor is covered, prior to selecting your policy; and, find out what your co pay is going to be, as these offices tend to charge a higher price for their services. Most insurance providers will cover small, independent offices, but before you do select your provider, and the coverage you are going to purchase, it is important to compare a few insurers. Doing this you not only find the full coverage that you want, you also find the best coverage, for a much lower price, and you will also be able to visit any office you want to visit, when you do have to go in for an eye exam, or any other routine visit you have to make to your optometrist.
With more than one insurance provider for vision coverage, it is important to find out what each insurer has to offer, what you are going to pay for their policy coverage, and what options you have, in terms of coverage levels. From a basic plan to cover your eye exams, to a policy that will cover the most expensive surgery, if this is the only way to correct your vision. Before you do select the vision insurance for individuals policies for your coverage, you have to look into several options. This is the only way to select the right provider and policy coverage, and it is the only way to ensure your optometrist is covered, and you are going to pay the lowest out of pocket expense for your coverage.