Monthly contact lens expenses can create a sizable hole in your wallet. However, wearing contact lenses like Hubble can also improve your quality of life by expanding your entire field of vision. For many, it’s an investment worth making. Whether you’re a regular athlete or student, it’s clear, contact lenses offer a freedom glasses can’t quite provide.
Thankfully, vision insurance can easily be applied to your contact lens purchase. Doctors and online companies allow you to apply your vision insurance right to your account. It may seem like an arduous hassle but only two things are necessary: your contact lens prescription and your vision insurance information. It’s way easier than you think.
To maximize your savings, we’ll go over the main steps to purchase your contacts using your vision insurance plan so you can feel at ease with your bank account.
Before you schedule an exam and fitting, make sure to check with your insurance plan to get an understanding of what costs you can get covered. Most vision insurance plans will require a small co-pay if not cover the entire fee of the exam. Find an optometrist covered under your vision insurance company to save on services provided and make sure to bring the name of your insurance company, name of the vision plan, and ID number which should all be printed on your insurance card. You can always submit a request for reimbursement for an out-of-network provider, or after the fact however it is not always guaranteed and is usually a lengthy process. So bring your insurance card with you to doctor so that he/she can file a claim with no delays.
After your appointment, there are a variety of ways to purchase contacts. Once you grab ahold of your contact lens prescription, you’re free to purchase your contact lenses wherever you’d like. Ask your eye doctor to consider your prescription and eye needs and recommend the best lens for you.
If you’d like to wear your contacts right away, you can purchase your contacts right from your doctor. However, the convenience of buying your contacts in-store only extends as far as your contact lens supply. When your source is depleted you’ll have to make a run back to the optical store to refill your supply. Modern methods allow you order contacts at the convenience of your own home with a click of a button. This may be a long-term solution for those with busy or inflexible schedules.
Filing the insurance claim for your contact lenses can be a hassle. When you order online, most online companies accept vision insurance plans and apply your insurance information at checkout.
Your prescription is your golden ticket, so you can use it in conjunction with your insurance information on any online contact lens shopping sites. The advantage of purchasing online is that you can compare specs/prices between websites to evaluate and find the best company for you. Before finalizing your purchase, make sure that the website is secure and that you fill out the insurance claim form before checking out. Most websites allow you to register an account and check their database if you can apply your vision insurance and discounts online.
Even if you’d like to purchase contact lenses that are outside of your insurance plan, you can still apply for reimbursement to cover partial contact lens expenses. Check with your vision provider to see if your insurance will cover the costs. You can ask to file an Out of Network form and submit your claim to your provider. Coverage varies so don’t feel shy to ask questions about what you are eligible for.
Most eye-related services are discounted by health insurance plans. Exceptions include any vision threatening surgeries that are medically necessary. Before your appointment, make sure to determine coverage provided by your vision plan with your ophthalmologist and insurance company.
When considering where to purchase your contacts, take in consideration where you’d like to apply your vision insurance to future and long-term purchases. Online contact companies accept many vision insurance plans such as Anthem, VSP, MetLife, Cigna, EyeMed, Aetna, Humana, Superior Vision and many more. Before checkout, make sure to register your information to deduct your discount from your cart. The optical store office or the online store will take care of all the claim filing for you.
If you’d like to use a provider outside of your network, you can still use your benefits if you coordinate the application of your benefits or complete and submit an out-of-network form to your insurance company.
Remember, all the advice in the world won’t pinch a penny if you don’t help yourself. Take advantage of your insurance as vision insurance can significantly lower the cost of your contacts.
by Insider Envy Staff