There is a lot of speculation growing around the fact that prescription glasses are insured or not. The truth is the coverage may vary from plan to plan. The medical insurance plans will cover for loss of vision and arrangement of prescription glasses only if you have damaged your eye due to a disease or an eye injury, possibly due to an accident. So, if you are using prescription glasses for your eyes, because you have a routine vision problem, the medical insurance will not cover it, unless there is ‘vision insurance’ policy as a part of the agreement.
Let’s talk about vision insurance policy now. This insurance is given as a value addition if you take a group insurance plan. With vision insurance policy, you have access to a network of eye care hospitals, clinics and eye specialists. You get discounts and insurance coverage on your vision related treatments, even if they are of routine nature. The insurance also includes covering the price of prescription glasses. Depending upon the plan that you take, you get annual cover for eye examination, eye glasses, frames, LASIK surgery discounts and contact lens.
If you take vision insurance benefits as an add-on to your health insurance, you will have to pay additional premium. There is also a deductible involved which is mostly under $45. The premium for vision insurance is about one hundred and forty four dollars annually. Every plan is different and you have to make sure that you go through the fine print to see how much you will end up paying for the coverage. Also you have to note that the insurance company will pay specific amount for certain frames or contacts. For example, if you are buying a fancy designer glass frame for yourself, you will have to pay extra out of pocket.
So before you take an eye appointment preferably with the network of hospitals that are covered under your plan, find out how you will benefit. If you take treatment from an eye doctor who is not a part of the network, you will have to pay out of pocket for the treatment but you will be paid for the prescription glasses that are a part of the coverage.
Many vision insurance companies want that the doctor to get in touch with them and seek pre-authorization before they treat you to see if you are covered. You get a vision insurance card that has to be shown to the eye doctor. You may be asked to pay deductibles or copays that are linked to the vision insurance. After the medical eye exam, the doctor will help you pick the frames that you like. If the coverage is good for prescription glasses, you can choose the best quality ones that have high prices