Vision Benefits

Written by Jeremy Horelick
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The urgency of obtaining basic basic medical coverage can cause some people to overlook vision insurance. Only after making monthly contributions toward their policy do a lot of folks learn that they now must pay for their glasses or contact lenses out of pocket and that these expenses can be costly. Add to that the cost of an eye exam, a lens fitting, and an evaluation, and you're looking at hundreds of additional dollars.

While some policies do include vision benefits as part of their basic coverage, many more do not. What's more, those insurance companies that do make allowances for vision care often cap their benefits at fixed amounts or only cover a handful of procedures. It may be that your frames or lenses will be fully reimbursed but not a single cent goes toward your LASIK procedure, which is exponentially more expensive. This is just one possible scenario.

Get the Vision Benefits You Need

When you're hunting for an all-inclusive policy, take the time to unearth the important details about your vision benefits. Are medically necessary contacts covered in full? How about elective contacts? What happens if the frames you choose exceed your policy's allowance? Can you increase that allowance, or must you pay the difference directly out of pocket?

In most cases, broader coverage is available, provided you're willing to spend the extra dough. If you're already spending 10 dollars a month on basic vision care, however, and you're sure you'll need to make changes to your prescription in the coming year, it's usually worth it to pay the two- or three-dollar-per-month increase to cover yourself 100 percent. Those extra dollars can buy the peace of mind that comes with knowing you're completely backed whether you need simple prescription adjustments, a regular checkup, or invasive surgery.

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