By Kate Ranta on Sep 12, 2014 @ 01:34 PM
Unhappy with your current vision plan? Still in the process of selecting a company to meet your family's vision care needs? Here are five things to look for in a vision plan that will help ensure your needs are met and you are happy with the coverage that you are receiving.
1) In-network providers: As with all insurance plan selections it's important to find out what providers are in-network. This is especially if you're changing insurance but already have a long-term favorite provider. The front office staff of your current provider can let you know what vision plans they accept. And, if you're still looking for an eye doctor, your insurance company should have a list of all the in-network providers.
2) Insurance Billing: It’s important to make sure your vision plan and the eye doctor you visit both offer complimentary billing to your main insurance company. Most offices offer this type of service but you should clarify when you're selecting both a vision plan and a primary care provider.
3) Eye exams: One of the most important things to inquire about is the frequency and type of the eye exams that will be available to your family. A standard eye exam will always be covered. However, if you or one of your dependents are interested in contacts or are in need of multiple appointments, be aware that a separate, specialized exam will be needed. This will likely be accompanied by a separate bill. Make sure you determine the details with your insurance company.
4) Glasses/Contacts: Many care providers offer basic frames for a low or included cost. However, specialty or name-brand frames and contact lenses will come with an additional fee. Evaluate your family's preferences in eyewear and contact lenses. Then you can check your care providers’ stock and prices ahead of time.
5) LASIK: Specialty eye care needs such as LASIK surgery are becoming more and more popular. Most insurance companies will not cover LASIK. But, asking ahead of time can save you hassle when it's time to pay. Some companies may provide a courtesy discount for the procedure while others will offer assistance in follow-up exams. Make sure you inquire before committing to a particular insurance company or care provider!