Frames And Glasses Or Contacts?
A good vision plan will offer an annual allowance for frames-plus-glasses OR contact lenses. You’ll have to pay a relatively low copay, often only $20 or $30, and there can be additional copays if you opt to add special features or styles.
How much you spend annually on contacts will vary based on how often your eye doctor recommends you change your old ones for a new pair. Or, you may be the type of person who is prone to lose your contacts or just likes to have extra options to wear or change things up at least once a year.
In this case, your vision plan will come to your rescue by allowing you a contact lens allowance to get a new pair every 12 months. Often, you don’t even have to pay the copay if you opt for contacts over glasses (because there are no frames to pay for).
Another option is to vary between a new pair of glasses and a new pair of contacts every other year – that’s a smart way to play it if you like to sometimes wear both because most people don’t absolutely need a new prescription more than every two years.
Add-on Copays For Contacts
It’s true you’ll have to pay extra to add on special features when you get your annual contacts/glasses paid for by your vision insurance policy. But remember, you’ll still pay less on these extras than if you had no insurance at all to cover a portion of the cost.
Extra copays of varying amounts (the exact amount varying from insurer to insurer) will generally be required for anti-reflective coatings that reduce glare, colored tinting, UV protection, and scratch resistance.
But some of these copays would probably be only $15 to 20, so you can likely afford to add what’s most important to you and still save.
Eye Exams And Contact Fitting Exams
Both ordinary eye exams and, for those who choose to wear contacts, contact fitting exams, are covered by all vision insurance plans.
This is a key area where vision insurance will save you money every year. Some plans will cover all exams in full, while others may only cover most of the cost.
But either way, you’ll save significantly while keeping “an eye” on your prescription so you can have it adjusted right away when necessary. And you’ll catch any developing eye problems early rather than late, which will both save you money and could save your eyes!
Won’t Health Insurance Cover My Contacts?
It’s possible that some health insurance policies will cover “non-elective” contact lenses, but the vast majority of people who wear contacts wear them by choice, relative to other options. And most health insurance will only cover eye care if it’s the result of an eye accident of some kind, not when it’s a matter of just getting new contacts year by year.
To learn more about vision insurance and contact lenses, contact us at Flagler County Insurance Agency today!