Vision insurance can be very complicated with some carriers have over 100 different plans. We have helped thousands of patients navigate through their benefits to get the best possible deal on glasses, contact lenses, and eye care. Therefore, here are 5 things you need to know about your vision insurance.
#1 – “Covered” does not mean “Paid For”
All insurance plans will provide a list of “covered” benefits. In vision care, this list could include your eye exam, contact lens evaluation and fitting, frames, lenses, and lens options. This does not mean the vision plan is going to pay for these benefits. Typically, there is a contracted co-pay or deductible you will be responsible for paying before the vision plan pays their portion, just like with health insurance.
#2 – Your Vision Plan may be different from your friend’s
Vision plan companies like VSP, EyeMed, and Superior, have many different policies they sell. Even within your company there may be different plans for various employee categories. We will pull your benefits so we both know exactly what is covered.
#3 – Moody Eyes did not negotiate your benefits
Your vision benefits were negotiated between your HR department and the insurance company. We provide you with vision care under your policy. We will be happy to show your negotiated policy benefits and help you maximize them.
#4 – Your Vision Plan may not be your best value
Some vision policies have great benefits…some do not. We will help you compare our Vision Club pricing to help you get your best value.
#5 – Your Vision Plan may not cover online purchases
Most vision plans are designed to be used in person. Online companies are not participating providers. This means typically you will have to pay and then file a claim with your insurance company for reimbursement. This is usually at a lower rate than if you use your vision benefits with us.