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How to hack your vision plan

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If you have a vision plan, you may know they serve a purpose: to PROvide one routine eye exam per year and one pair of Lenses or contacts. A standard vision plan covers almost nothing beyond that. You will likely be transferred to your health insurance for anything beyond that standard of care. Vision plans are not “insurance” but rather a strange type of savings plan for an annual exam and glasses.Once you’re enrolled in a vision plan, you’ll be directed to an in-network doctor’s office for an exam and purchase of glasses or contacts. Simply put, vision plans require doctors to raise the price so they can give you a discount. If this sounds like a scam, it is.

 

However, there is a way to “hack” your vision plan to get better glasses at a better value. Whether you have a vision plan or not at all, there are some resources you can use to ensure you receive the best value.

 

  • Do you have a vision plan

 

You or your employer paid real money into the plan, so you’ll want to use it one more time before you cancel during open enrollMent. This is how:

 

Use your coverage outside of the network

If you buy glasses from a brand that doesn’t participate in the in-network vision plan discount, you’ll win. You can often find prices very Similar to (or better than) those of an in-network doctor’s office if you use a reimburseMent option. However, it can often be difficult to find your available reimbursement outside of the network. Fortunately, our team is here to help. At David Kind, you can chat with an optician on our team to find out if you’re eligible for a rebate. Our team can discuss what reimbursements might be available to you, based on your insurance and vision plan. If you would like to see if your vision plan might qualify, email us at[email protected]or consult coveragehere.

Check Cashing Benefits

  • Younothave a vision plan

 

Big! You are part of a necessary change in the Eyewear industry. However, if you still have a vision plan, the following information may be helpful in deciding whether you or your employer should remove it from your insurance coverage.

 

Tell your optometrist you don’t have insurance/vision plan

Most optometrists are tired of vision plans. If they didn’t need them to acquire patients, they would probably abandon them. You can ask if your optometrist offers pricing alternatives for services or products for patients without vision plans.

 

Use your Medical Insurance

Most people don’t know this, but most medical plans will cover your eye exam if you have a condition such as: dry eyes, infection, corneal disorders, diabetes, lazy eye, cataracts, suspected glaucoma, vision double etc If you suspect you may have one of these conditions, be sure to tell your doctor when you schedule your exam. If you are responsible for any out-of-pocket costs, it will only be for the Prescription for your glasses,not for the exam. It should also be at a reduced rate.

 

Use your Flexible Spending or Health Savings Account

If your employer offers an FSA or HSA and you take advantage of it, it will put a portion of your income into a tax-free account. If your income tax rate is 30%, then you’re basically getting $30 free, for every $100 you spend. deposit. This can be used for your eye exam, glasses, Lenses, Prescription Sunglasses, contact Lenses, and many other things.

 

Finally, buy glasses from Direct Eyewear Brands

The key element to hacking vision insurance plans is buying brands that don’t participate in the in-network “discount” scam. They provide Simple and transparent pricing. Not all glasses are created equal, so make sure you know what you’re buying.

At David Kind, we focus on creating the best Eyewear at a fair price. To do this, we’ve partnered with top Eyewear manufacturers in Sabae, Japan and Cadore, Italy, and offer our frames direct to customers through a proprietary try-on-at-home experience. While our prices may be higher than those available at in-network offices, our frames are built to last for years — thanks to our premium materials and exceptionally skilled craftsmen. Additionally, David Kind offers a 10-year warranty to ensure that their frames can last for a deCade. We also offer support to help make your ordering process Run smoothly. Please contact us with any questions at[email protected]

EXPLORE GLASSES

 

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