VISION

Does my vision plan cover RK?

RK (radial keratotomy) is considered a surgical procedure by most vision plans. Since most vision plans only provide coverage for examinations and corrective materials (such as contacts, lenses and frames), RK ordinarily would not be a covered benefit. As a result of the rising popularity of RK procedures and their history of success, some vision plans are now offering limited RK benefits. For information specific to your vision plan, please consult your plan documents.

Although RK is considered a surgical procedure, it is rarely a covered benefit under medical plans. Since not all plans are alike, please check the documents specific to your plan for additional information.

Can I get contact lenses and a pair of glasses?

Maybe. Most vision plans allow for either contact lenses or a pair of glasses within a service period such as once every 12 months. Typically, you would be allowed to alternate from service period to service period, obtaining contact lenses one time and a pair of glasses the next. Most vision plans do include a provision that allows participants to obtain a pair of glasses and contacts if a medically necessary condition is present that requires both for the correction of that condition.

If your employer offers an IRS Section 125 plan, think about using it as a vehicle for reducing the cost of your second pair of glasses or contacts.

What do I do if my plan allows lenses every 12 months, but my vision changes before I’m eligible again?

Most vision plans include a provision that allows participants to obtain either lenses for frames or contact lenses before the next service period if a participant encounters a substantial change in their eyesight. Each vision plan’s requirements for the degree of change is different. Please consult your plan documents for information specific to your vision plan.