What You Need to Know About Your Vision Insurance Benefits
Posted Dec 31, 2019 | Eye Health
Here are 3 important things to know about your vision benefits for the year to come:
1. Not all vision insurance plans follow the same calendar.Vision insurance benefits typically restart once a calendar year (12 months) or once every other calendar year (24 months). If you have purchased your insurance directly, this date may not be January 1st. Beyond that, vision benefits may restart on a different day than the beginning of the calendar year through some employers. Check with your HR representative to find out if your benefits renew in January or later in the year.
Toward the end of the calendar year (or the end of your employer’s benefit restart date), you may see many messages to use your FSA or HSA funds. FSA is especially important, as these funds will expire if they are not used. Be sure to check your benefit package for information specific to your plan.
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2. Eye exams, glasses, and contacts are often cheaper when you stay in-network.As a VSP member, staying in-network and using your benefits with one of our 38,000 eye doctors or through Eyeconic can save you up to $220 with your frame allowance.
You may also choose to go out-of-network. Where you decide to buy your prescription eyewear or contacts will determine how much of a frame or lens allowance you will receive from your insurance carrier like VSP®, MetLife, or Cigna Vision.
By choosing to go out-of-network, your allowance may be less than the amount you receive by staying in-network, so make sure to read up on your personal insurance plan and maximize your vision benefits! Use Your Insurance
3. An annual comprehensive eye exam is crucial—even if you don’t need a corrective prescription.In order to use your vision insurance benefits, you must have a valid and up-to-date prescription from your eye doctor. If your prescription has expired, you will not be able to purchase new glasses or contact lenses.
Regardless of your prescription, getting your eyes checked annually is also incredibly important for your overall health. Even if you have 20/20 vision, comprehensive eye exams can also detect signs of over 270 serious health issues such as prediabetes or diabetes (diabetic retinopathy), high blood pressure, and high cholesterol.
Getting an annual comprehensive eye exam is crucial to keeping your vision in tip-top shape! A lot can change within a year, so it’s best to stay safe and catch any issues before they develop or get worse.
Schedule an appointment with one of our 38,000 in-network doctors. FIND A DOCTOR EYECONIC LOCATIONS