Ordering Contacts with Insurance

Ordering contacts with insurance can be a great way to save money on your contact lenses. Many insurance plans offer discounts, rebates, or other benefits to help offset the cost of purchasing contact lenses. However, navigating the world of insurance can be confusing, and it can be difficult to know where to start. In this article, we will discuss everything you need to know about ordering contacts with insurance.

Table of Contents

• What is Contact Lens Insurance?
• How to Determine What Your Insurance Covers
• How to Order Contacts with Insurance
• Frequently Asked Questions

What is Contact Lens Insurance?

Contact lens insurance is an add-on to your regular vision insurance that specifically covers the cost of contact lenses. Depending on your plan, contact lens insurance may cover the cost of the lenses themselves, as well as any associated fees such as fitting and exam fees. Some plans may offer a discount instead of full coverage.

Contact lens insurance may be offered through your employer, as part of a larger vision insurance plan, or you may be able to purchase it separately. If you wear contact lenses regularly, it may be worth considering this type of insurance to help offset the cost.

How does contact lens insurance work?

The specifics of how contact lens insurance works can vary depending on your plan. In general, you will need to pay a monthly or yearly premium to have the coverage. When you need to order new contacts, you will typically need to go through a specific provider or retailer that is covered by your insurance plan. You may need to submit a claim to your insurance company to get reimbursed for the cost of the lenses.

It’s important to check the details of your plan to understand exactly how the insurance works, what is covered, and what the associated costs will be.

How to Determine What Your Insurance Covers

If you already have vision insurance, you should be able to find information about your coverage by reviewing your policy documents or contacting your insurance provider directly. Look for specific information about contact lens coverage, including what brands and retailers are covered, and what fees you may be responsible for paying.

If you’re shopping for new insurance, be sure to ask specifically about contact lens coverage and what is included in the policy. Compare the cost of the premiums and the benefits offered to find the plan that best fits your needs and budget.

How to Order Contacts with Insurance

Once you have determined that you have contact lens insurance, ordering your new lenses is typically a straightforward process. Follow these steps:

1. Make sure you have a current prescription for contact lenses.
2. Find out which retailers or providers are covered by your insurance plan. This information may be available on your insurance provider’s website, or you may need to call to ask.
3. Choose the brand and type of contact lenses you want to order.
4. Place your order with the retailer or provider. Be sure to give them your insurance information so they can verify your coverage and submit a claim on your behalf.
5. Wait for your lenses to arrive!

Frequently Asked Questions

What brands of contact lenses are typically covered by insurance?

The specific brands of contact lenses that are covered by insurance can vary depending on your plan. However, many insurance plans will cover popular brands such as Acuvue, Biofinity, and Air Optix.

Will insurance cover colored or specialty contact lenses?

It depends on your plan. Some plans may cover colored or specialty lenses, while others may only cover basic clear lenses. Check your policy documents or contact your insurance provider to find out what is covered.

Can I use my insurance to order contacts online?

Yes, many insurance plans allow you to order contacts online. Be sure to check with your insurance provider to find out which retailers are covered under your plan.

What if I have a problem with my contact lenses after I order them?

If you have any issues with your contact lenses after ordering them, contact the retailer or provider where you ordered them from. They may be able to assist you in resolving the issue, such as by providing a replacement pair or refund.

How often can I order new contact lenses with insurance?

The frequency with which you can order new contact lenses with insurance can vary depending on your plan. Typically, you will be able to order new lenses every 6-12 months. Check your policy documents or contact your insurance provider to find out the specifics of your plan.

Is contact lens insurance worth it?

Whether or not contact lens insurance is worth it depends on your specific needs and budget. If you wear contact lenses regularly and can benefit from the cost savings, it may be worth considering. However, if you only wear contacts occasionally or are able to cover the cost comfortably without insurance, it may not be necessary.

Conclusion

Ordering contacts with insurance can be a great way to save money on your contact lenses. By understanding what your insurance plan covers, choosing the right retailer, and following the right steps to place your order, you can take advantage of this benefit and make your contact lens purchases more affordable.