Will Insurance Cover Contact Lenses?

Your vision insurance policy is likely to be long, confusing, and full of seeming contradictions. To a certain extent, this is a conscious choice by insurance companies that can ultimately be profitable for them. If you’re wondering if your contact lenses in Champaign, IL are covered, we’ll look at what you should know before you schedule an appointment.

The First Rule: Never Assume

Most people make assumptions about their insurance, and whether it covers certain standard services and products. While the federal government guarantees certain services the general healthcare world, there’s much more wiggle room when it comes to visual health insurance plans. This means that your contact lenses may or may not be covered by your insurance. Additionally, even if they are covered, you may still need to cover a portion of the tab.

Check Your Policy

It may not always help to read your policy or call your insurance company, though these are certainly smart places to start. There are likely more exceptions to the rules than you think, which is another smart reason to avoid assumptions. For example, you may not be able to order certain types of contact lenses based on your visual disorder. If you really want to know the financial score before you settle on your contact lenses, it helps to find an eye doctor in Champaign who can work with you and your provider to find the answers.

At Champaign Eye Professionals, we’ve worked with patients with an array of insurance plans, and our staff can help you work out solutions that work for both your visual health and your budget. If you have questions about your plan (and what your out-of-pocket costs will be), contact us today to learn more.