7. Know the difference between vision insurance and vision "discount" plans. Vision "discount" plans do not provide vision insurance. The discounts they promise may or may not be available through vision care providers in your area. Check with your preferred vision care provider to make sure they accept discount cards before buying one.
8. Be aware of vision insurance contract periods. Know that when you buy a vision plan on your own you may be required to fulfill a one-year contract before you can cancel your coverage.
9. Understand how vision insurance works for children. You must be age 18 or older in order to apply for vision insurance. Parents cannot apply for coverage on behalf of children under age 18 unless the parent is also listed on the same policy.
10. Be aware of how vision coverage works with Medicare. Original Medicare (Parts A and B) does not provide routine vision benefits. However, many Medicare Advantage plans do cover routine vision care. If you don't have a Medicare Advantage plan with routine vision coverage, you may want to purchase a vision plan on your own in the same way that people who don't qualify for Medicare do. Age-related medical conditions of the eye (macular degeneration, cataracts, retinal detachment, etc.) are typically covered under the medical portion of Medicare coverage.(2)
Additional Consumer Resources:
•Download or request a FREE printed copy of our book, Individual Health Insurance For Dummies, Health Care Reform Special Edition, produced in cooperation with For Dummies®, a branded imprint of Wiley, and co-authored by eHealthInsurance •Follow eHealthInsurance's consumer blog, Get Smart - Get Covered •Watch educational health insurance videos from eHealthInsurance on YouTube •Browse our answers to real-life health insurance questions on Yahoo Answers •Follow eHealthInsurance on Facebook and Twitter
(1) Small Employer Health Insurance Survey: eHealthInsurance.com, March 20, 2012 (http://news.ehealthinsurance.com/pr/ehi/document/Small_Employer_Health_Insurance_Survey_2012.pdf)
(2) Medicare has neither reviewed nor endorsed this information.
eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, the nation's leading online source of health insurance for individuals, families and small businesses. Through the company's website, www.eHealthInsurance.com, consumers can get quotes from leading health insurance carriers, compare plans side by side, and apply for and purchase health insurance. eHealthInsurance offers thousands of individual, family and small business health plans underwritten by more than 180 of the nation's leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia, making it the ideal model of a successful, high-functioning health insurance exchange. Through the company's eHealthTechnology solution (technology.com%2f">www.eHealthTechnology.com), eHealth is also a leading provider of health insurance exchange technology. eHealthTechnology's exchange platform provides a suite of hosted e-commerce solutions that enable health plan providers, resellers and government entities to market and distribute products online. eHealth, Inc. also provides powerful online and pharmacy-based tools to help seniors navigate Medicare health insurance options, choose the right plan and enroll in select plans online through its wholly-owned subsidiary, PlanPrescriber.com (www.planprescriber.com) and through its Medicare website www.eHealthMedicare.com.
For more health insurance news and information, visit the eHealthInsurance consumer blog: Get Smart - Get Covered.
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