When you are thinking about purchasing prescription sunglasses to do away with wearing contact lenses or the slip-on variety outdoors, you want to make sure the lenses provide 100 percent UV protection and the glasses are affordable. While some optical stores offer discounts to customers who purchase both regular eyeglasses and prescription sunglasses at the same time, prescription eyewear can be expensive. Before you ask your optician to fill your eyewear needs, you need to find out if insurance covers the cost of prescription sunglasses.
While it is an important health consideration for many people, vision care is often regarded as less essential than other medical and dental concerns. Although regular health insurance plans do protect an insured against financial loss as a result of unexpected eye injuries and disease, the extent of vision care coverage can vary from one company to the next. Vision insurance can usually be obtained privately by individuals through their choice of an insurance provider, or through an employer sponsored group benefit plan.
A good vision insurance policy can include coverage for the cost of eye exams, prescription lenses and frames such as prescription sunglasses, contact lenses, and even laser eye surgery. While some limits may apply on coverage for such things as allowing new or replacement eyeglasses or contacts every other year, or keeping the cost of frames under a certain amount, the benefits far outweigh the alternative to paying your eye care provider hundreds of dollars of your own money.
Adding vision benefits to your existing private health insurance plan will cost you an annual premium, in addition to the deductible or the amount you pay yearly before the insurance policy begins to cover eye care expenses. However, many insurance companies have options that allow you to pay lower monthly premiums in exchange for higher out-of-pocket expenses. If not already covered, adding vision protection to your group insurance plan is an added value benefit that can provide the insured and his or her dependants' access to a network of eye care professionals and providers, as well as discounts on eyewear costs.
Your insurance agent or company representative can advise you about the vision care policies that best suit your health needs and financial situation and can answer any question you have, including whether insurance covers the cost of prescription sunglasses.
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