My wife is looking at a new employer which offers Vision Insurance. The last time I had vision insurance (long time ago) I think you had to be enrolled for a year before you could get eyeglass benefits. This was to prevent people from enrolling, getting glasses, and dropping coverage. Quick Question- Is that fairly common with most vision programs?
Last edited by intrepid27; 04-25-2013 at 02:49 PM.
My wife is looking at a new employer which offers Vision Insurance. The last time I had vision insurance (long time ago) I think you had to be enrolled for a year before you could get eyeglass benefits. This was to prevent people from enrolling, getting glasses, and dropping coverage. Quick Question- Is that faily common with most vision programs?
I think with mine it was once you enrolled you couldn't drop it for some period of time but you got the benefits immediately.
I don't have vision insurance but my health insurance does cover one exam/year. I put enough money in my account so that when I get my free exam I pay for my lenses with that pre-tax flex money. It costs me about $200/year as I get new glasses every year, but it's easier than the optional insurance offered through my employer.
Just a thought - most of us couldn't do out jobs without sight so why isn't it always included?
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We have VSP through my husband's insurance and they do not have those stipulations like a previous poster mentioned. Our plan runs Jan 1 through Dec 31 so you can use the benefits for new glasses in Dec and turn around and buy another pair in Jan. Some vision coverage we've had benefits could only be used once in a single 12 month period or even 24 months for some things. Both of us wear glasses and I also wear contacts 98% of the time so it is beneficial for us. VSP covers quite a bit. We have a limited purpose FSA account set up to cover our out of pocket vision and dental expenses; all other medical expenses are covered by our HSA.
Also, it wouldn't be a bad idea to obtain a list of providers covered by the insurance before deciding to enroll in it or not. I understand you may have already done so, as you are probably used to doing so with Health Care providers. But, coming from someone who works in the Optometry field, I can assure you Vision Insurance is particularly tricky.
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