Your eyes and your sight are precious and need to be cared for to maintain an entire lifetime of clear vision. Regular eye exams, properly fitted corrective lenses whether they are glasses or contacts or in some cases, corrective surgery can help us maintain the health of our eyes as well as the clarity of our vision for as long as possible.
Because problems with our eyes and our sight are rarely life threatening, it is easy to put off eye exams for longer than is advisable. Another factor that may play a role in procrastinating and eye exam might be confusion over insurance coverage. How can we learn if our insurance covers eye exams Navigating through the patchwork of insurance plans can be daunting, often confusing. Even trying to understand the benefits of a single plan can be confusing. If patients don’t have insurance coverage, paying for eye-care out of pocket is an option but sometimes the those out of pocket costs are a concern.
Insurance can make regular eye exams, glasses and treatment for medical problems such as cataracts more accessible and affordable. But comprehensive vision coverage is often achieved only through a patchwork of plans.
Besides medical insurance, a couple of pieces of that patchwork include Flexible Spending Accounts (FSA) funds that should be used before they expire at the end of the year.
Flexible Spending Account (FSA) funds and some things to consider for using benefits and funds.
We asked Charlie Schein, Principal Agent at Star-Schein Insurance Agency for some guidance navigating insurance issues and to see if he had any suggestions that might get overlooked.
Charlie recommends that you check with your corporate health insurance policy or with your company’s benefits administrator to see if you have benefits that may expire at the end of the year. Companies revamp their benefit packages to fit THEIR bottom line and a benefit included on this year’s policy may not be included in the renewal.
You can also call our office to see if we may help as well.
As 2019 comes to an end, it is a good idea to explore the questions, does our insurance cover eye exams and do those benefits expire at the end of the year.
Charlie Schein owns Star-Schein Insurance Agency located in Glastonbury, CT.
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