When your eyes are healthy and cared for, you see the difference in your overall health. Healthy vision can significantly improve your performance at school, work, in sports and virtually every aspect of your life. Of course, vision care is best when it costs less. That’s why having vision insurance — and using the benefits it offers — is the most effective way to maintain healthy eyes.
If you’re new to vision insurance or are looking to enroll in a vision plan, you may be wondering how to start using your eye care benefits.
Regularly scheduled vision exams are important to you and your family’s health. Eye exams can help prevent or detect cataracts, diabetes, glaucoma and macular degeneration.1 Medical Mutual offers an affordable vision plan with a large network of quality eye care providers.
Medical Mutual Vision Plan
– Save with the EyeMed® Vision Care Network
– EyeMed’s vast network of optometrists and opticians can provide you with quality vision care and prescription eyewear. – Your annual benefits include a routine vision exam and a pair of eyeglasses or contact lenses.
Additional advantages include:
– No claim forms to file
– No waiting for reimbursement
– Unlimited pairs of glasses and contact lenses at special discount prices after your benefits are exhausted
Vision plans often pay at least a portion of:
Basic preventive care such as eye exams and vision tests.
Lens protection for glasses, such as scratch-resistant coating.
Many vision insurance plans have additional options for coverage, such as:
Daily disposable contact lens coverage.
Discounts on corrective eye surgery such as Lasik.
Vision insurance may not pay for eye care related to medical issues. If your optometrist finds medical problems during your vision exam, he or she would refer you to a medical eye doctor such as an ophthalmologist. Although vision insurance may not cover medical services for your eyes, health insurance often does.
How Vision Insurance Works
Vision insurance works much like health insurance in that you pay a premium each month, and the insurance pays all or part of your eye care expenses for that year. A simple vision plan fits into just about any budget and helps pay for a comprehensive eye exam, glasses, and lenses. We found that most vision insurance pays an allowance toward contact lenses, and the amount varies widely across plans.
Finding vision insurance coverage that pays for corrective lenses at 100% will ensure the premiums more than pay for themselves. You may find coverage for enhancements like anti-glare or scratch resistant coatings as well, but some policies only pay a percentage or contribute a set amount for that cost. While many vision insurance policies pay for no-line bifocal and trifocal lenses, some only pay for lined lenses, with you covering the cost of the upgrade.