More than 50% of the people worldwide suffer from vision disorder, and there are many individuals who wear prescription contact lenses or eyeglasses. Having irregularities in the vision requires timely and proper management of the condition. Regular tests and visits to the doctors entail cost of eyewear, in addition to the cost of gizmos and gadgets associated with the treatment.
Eye Care Health Plan
Many companies offer voluntary or employer-funded vision coverage to their employees. For individual consumers, there are many affordable and discount eye care health plans available. These plans offer discounted or paid-in-full routine eye examinations, contact lenses and eyeglasses.
Before choosing any eye care health plans, review the plan carefully, and ensure that it covers the routine eye examinations every 12 or 24 months. Frequency of eye examination depends on the age, so make sure that you get the required coverage. It is essential to go for periodic eye checkup, as it might detect other health issues such as glaucoma, blood pressure or diabetes.
Most of the eye care health plans offer fixed allowance for pair of eyeglasses or contact lenses. For purchasing the eyeglasses, the plan usually reimburses for the pre-established amount. Anything beyond that limit must be borne by the member. Some eye care health plans have their own labs, and they manufacture their own brand of eyewear and eye care products.
If member decides to buy the contact lenses, the eye care health plan usually reimburses the cost of lenses up to certain amount, or pays for initial supply in full. Discount eye care health plan allows members to receive the lenses or eyeglasses at the reduced rate if purchased from the in-network provider only.
Many eye care health plans offer additional discounts on replacement contact lenses, laser vision correction services and special lenses extra. When considering any eye care health plan, make sure that it has a large network of participating providers including ophthalmologists, independent optometrists and eye care practitioners at large retail locations.
If you are looking for the most suitable eye care health plan for yourself or your family members, explore different sites through internet, and get free quotes from few vendors so that you can easily compare them side-by-side. Don’t choose the plan only based on the cost, but check out for their coverage and benefits as well. Read all the eye care health plan material carefully, as it will make you understand your rights and responsibilities under each plan. Carefully read regarding pre-existing condition exclusion, and prior authorizations requirements.