Use Your Vision Insurance Benefits Before They Expire at Year’s End

Maybe you don’t know that your vision benefits expire at the end of the year. In other words, if you don’t use your benefits by December 31, 2019, they will not roll over into 2020. So, this may be the perfect time of the year to get an eye exam. You still got time!

It’s highly recommended to catch and treat eye conditions before they become a major problem. While insurance coverage can vary greatly from provider to provider, most vision plans cover eye exams, eyeglasses frames, and stipends that may be used for an extra pair of glasses. Contact exams and contacts are generally considered elective. Make sure you contact your provider and find out exactly what’s covered in your plan.

Add-ons, lens coatings and upgrades such as anti-glare are also considered elective in most cases, so coverage will also vary among insurance plans.  The good news is that many companies are realizing the benefits of these upgrades and beginning to offer them.

There are also other ways to use your benefits. For example, you can stock up on accessories such as microfiber, cleaning products, cloths, neck-straps for glasses, sprays, and other items. Sun wear is also advisable, as well as a supply of contact lenses – great holiday treats! Some plans may allow you to get a back-up pair of glasses or prescription sunglasses. Whatever you decide to do, just make sure you use the benefits that are about to expire.

Vision insurance policies will vary for every major medical provider. For instance, many insurance plans provide benefits when you pay your co-pay or deductible. Vision insurance offers benefit discounts once you pay your annual premium. You may want to compare some items you purchased from your doctor to an online store and pay much less. Whatever you do, remember benefits and discounts don’t roll over to the next year. Staying informed on what your eye insurance covers will help you get the most out of your plan.

Almost everybody can afford a simple vision plan. It works just like health insurance, and the insurer covers your eye care expenses. Keep in mind vision insurance doesn’t cover treatment for severe conditions such as glaucoma, macular degeneration, and cataracts. This is something your health insurance will cover. Once your optometrist finds any medical problem, you will be referred to a medical eye doctor or ophthalmologist.

The holidays are a busy time. From family gatherings, holiday parties, Christmas shopping, it’s easy to forget that your vision benefits are expiring soon. If you haven’t used your benefits for 2020, make sure you contact your insurer and spend your insurance coverage before you lose it.

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