Five Ways to Save on Vision Insurance

Five Ways to Save on Vision Insurance

Vision is often not high on the list of factors a person thinks about on a routine basis, until something really becomes apparent. When that happens, if you don’t have insurance, it could be cause for concern. There are actually many ways a person can save on vision insurance, with some of the solutions offered resulting in low costs, or no cost, to the consumer. Here’s how.

Free Vision Services for Children

Very often, if it becomes apparent that a child under the age of five is having difficulty seeing, many local, state and national public health programs offer free eye exams, at least for the first initial assessment. Medicaid also covers children when it is determined that they have a vision issue that needs to be corrected. There are procedures for applying for Medicaid, so make sure to set aside at least an hour or so to fill everything out (most of it can be done online).

There is also the CHIP program for children (Children’s Health Insurance Program), which provides low-cost health insurance that also covers vision. This is usually extended to those families who don’t qualify for Medicaid because of their income. Eligibility and requirements can vary a bit from state to state, so checking in with your specific state’s website for this is advised. The number is: 1-877-KIDS NOW.

Free Adult Eye Exams

A program governed by the AOA Foundation offers free exams for adults who are low-income, unemployed or uninsured. Calling its number will give you the various locations where the program operates and when/where to make an appointment: 1-800-766-4466. EyeCare America is another program that is offered for seniors, and it not only covers the initial exam but can also offer at least a year’s worth of care for any vision problem diagnosed during the first visit, for free. The Lion’s Club, which is a service organization in most local towns and cities, also has a vision program, so checking into that may also help you find assistance.

Free or Low-Cost Eyeglasses

If your child or a child you know needs glasses, there are many programs out there that offer free eye exams and a pair of glasses to children who are low-income or are children of uninsured parents. Sight for Students (1-888-290-4964) is one such program, but there are others.

Vision Insurance and the Affordable Care Act

Most vision plans aren’t included in the bare bones ACA-compliant health insurance plans at the Health Insurance Marketplace. But, as far as children are concerned, vision insurance is automatically offered for children under the age of 18. Adults can often purchase vision coverage as a low-cost add-on to their ACA marketplace healthcare plans. Tax credits are often offered to those qualifying, and those can be used on the ACA marketplace to reduce the overall cost of the plan.

Online Vision Care Plans

Many of the lower cost plans can be found exclusively online. This is because they don’t have actual storefronts but work out discounts with local optometrists and opticians. These savings are passed along to the member, who pays a small monthly membership fee. This fee covers most expenses. Some of the more reputable sites include glasses.com and ehealthinsurance.com. There are many out there, so it pays to compare what they offer and what they will charge per month. Still, if you and your family all need glasses, or contacts, then paying a small fee per month and receiving large discounts could translate into many dollars in savings per year.

Five Ways to Save on Vision Insurance

Vision is often not high on the list of factors a person thinks about on a routine basis, until something really becomes apparent. When that happens, if you don’t have insurance, it could be cause for concern. There are actually many ways a person can save on vision insurance, with some of the solutions offered resulting in low costs, or no cost, to the consumer. Here’s how.

Free Vision Services for Children

Very often, if it becomes apparent that a child under the age of five is having difficulty seeing, many local, state and national public health programs offer free eye exams, at least for the first initial assessment. Medicaid also covers children when it is determined that they have a vision issue that needs to be corrected. There are procedures for applying for Medicaid, so make sure to set aside at least an hour or so to fill everything out (most of it can be done online).

There is also the CHIP program for children (Children’s Health Insurance Program), which provides low-cost health insurance that also covers vision. This is usually extended to those families who don’t qualify for Medicaid because of their income. Eligibility and requirements can vary a bit from state to state, so checking in with your specific state’s website for this is advised. The number is: 1-877-KIDS NOW.

Free Adult Eye Exams

A program governed by the AOA Foundation offers free exams for adults who are low-income, unemployed or uninsured. Calling its number will give you the various locations where the program operates and when/where to make an appointment: 1-800-766-4466. EyeCare America is another program that is offered for seniors, and it not only covers the initial exam but can also offer at least a year’s worth of care for any vision problem diagnosed during the first visit, for free. The Lion’s Club, which is a service organization in most local towns and cities, also has a vision program, so checking into that may also help you find assistance.

Free or Low-Cost Eyeglasses

If your child or a child you know needs glasses, there are many programs out there that offer free eye exams and a pair of glasses to children who are low-income or are children of uninsured parents. Sight for Students (1-888-290-4964) is one such program, but there are others.

Vision Insurance and the Affordable Care Act

Most vision plans aren’t included in the bare bones ACA-compliant health insurance plans at the Health Insurance Marketplace. But, as far as children are concerned, vision insurance is automatically offered for children under the age of 18. Adults can often purchase vision coverage as a low-cost add-on to their ACA marketplace healthcare plans. Tax credits are often offered to those qualifying, and those can be used on the ACA marketplace to reduce the overall cost of the plan.

Online Vision Care Plans

Many of the lower cost plans can be found exclusively online. This is because they don’t have actual storefronts but work out discounts with local optometrists and opticians. These savings are passed along to the member, who pays a small monthly membership fee. This fee covers most expenses. Some of the more reputable sites include glasses.com and ehealthinsurance.com. There are many out there, so it pays to compare what they offer and what they will charge per month. Still, if you and your family all need glasses, or contacts, then paying a small fee per month and receiving large discounts could translate into many dollars in savings per year.

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