Obtaining Contacts Through Superior Vision Insurance
When a Superior Vision Insurance patient desires to wear elective or cosmetic prescription contact lenses instead of eye glasses there are steps that must be properly followed to insure that reimbursement is given to the patient from the insurance company. One of the most important considerations when setting up the eye examination is to make certain that the eye doctor chosen is a participating in network provider for Superior Vision Insurance. This is a necessity if any coverage is to be obtained. When this is verified, it's important the provider knows that the patient desires a contact lens fitting in addition to the comprehensive eye examination the patient will receive. The contact lens fitting usually has a separate fee over and above the eye exam and is necessary for the proper contact lenses to be prescribed. The doctor will determine the correct power, size and curvature of the lenses needed for the particular patient. The doctor will also, at this time, determine if the patient will need "standard" contact lenses such as daily lenses, disposable lenses or extended wear lenses. If the patient suffers from astigmatism or another similar issue, "specialty lenses" such as toric lenses will be prescribed instead.
To have the lenses covered by Superior Vision Insurance, after the lens prescription is determined by the provider, it is necessary for the patient to send the prescription to the online contact lens mail order service. Here the lens prescription will be verified and the contacts mailed to the patient in sealed packages, just as they would be dispensed to the patient from a standard optical office. This procedure allows Superior Vision Insurance to insure reasonably priced contact lenses for the members. It's always important to remember, when using your Superior Vision Insurance plan, there is a set dollar amount allowance given to the patient for contact lenses. The amount may vary depending on the type coverage selected at enrollment. This allowance is to be used for the contact lens fitting cost and the contact lens purchase. This amount may (or may not) cover the fitting and the entire contact purchase. If it doesn't cover 100% of the purchase, the member is responsible for the remainder of the cost. Having vision insurance is a great benefit. It's important though to understand your coverage guidelines and limits well, so that the patient can make the most of their Superior Vision Insurance without unexpected costs to themselves. |
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