What is Vision Insurance?
Vision insurance is like a buying group, where vision insurance companies bring large groups of buyers together in an attempt to bring costs down through price negotiation. Vision insurance can have benefits and drawbacks, depending on the product you are looking to purchase and the insurance plan you have. First, you must determine what product you need. Next, you must look at the pricing for In-Network providers that accept your insurance & Out-Of-Network providers if available in your plan.
How do I use my Vision Insurance?
Vision insurance can be an employer-based or individual-based plan. First, find out the details about your insurance provider and plans. Next, contact the insurer to check your Out-Of-Network benefits. Start with the product you want first so you can decide whether to go In-Network or Out-Of-Network (when available). Last, check your out of pocket costs, which are the costs that you have to pay additionally after your insurance coverage. The out-of-pocket costs can be zero, minimal, or more expensive than not using your insurance at all.
In-Network vs. Out-of-Network?
After you have contacted your insurer to check your Out-Of-Network benefits, you can now start comparing options. Keep in mind, depending on the plans and specific purchase needs, it may be better to go either In-Network or Out-Of-Network. In-Network purchasing has guidelines, charts, and reimbursements for the retailer that can be fairly complex, which leads to a wide variance in out-of-pocket costs & results. In-Network purchasing is handled by the retailer, so you do not have to submit your receipt or interact with your vision insurer. Out-Of-Network benefits vary widely, but most insurers have an option for Out-Of-Network benefits, and it is always a good idea to compare your options. Contact the retailer, ReplaceALens or other, for specific out-of-pocket costs. Compare those In & Out-Of-Network, and make the best decision based on quality, price, & ease of use.
Do you accept Vision Insurance?
At this time, ReplaceALens is out of network for all insurance plans. We will discuss the in and out of network options and are happy to assist with recommending the best option for your vision and budget. We are able to assist with processing Out-Of-Network claims for other major providers including VSP & Eyemed, though we are not In-Network.