CLE Contact Lenses

Private health insurance is insurance people get when they don’t have health insurance through work or their spouse. Student health insurance sometimes referred to as individual health insurance can be very expensive.

We’ve been asked by a few folks if student health insurance covers vision care items like visits to the eye doctor, contact lenses, lens solutions and glasses. While there are health insurance plan carve outs for vision care, there is no easy answer to that question. Each individual student health insurance plan have different offerings. Some offer partial or full vision care coverage. In most cases, however – it is very hard to find a student health insurance plan that will cover the full cost of glasses, contact lenses and almost none cover lens solutions and other consumables.

Before you have to resort to buying student health insurance you need to take a true look at all the options available to you. One of the most cost effective ways to maintain health insurance before you have to buy student health insurance see if you have the ability to sign up for COBRA. COBRA is a federal law that requires certain employers to provide former employees with the option to purchase health insurance.

There are a variety of groups that you may be a part of or be able to become a part of that already have group health insurance plans. Groups and organizations and affinity groups often offer group health benefits that will enable you to benefit from their purchasing power as opposed to you having to buy an individual health insurance plan.

The cost savings are significant and worth taking the time to explore.

For a more comprehensive analysis of whether of not student health insurance plans offer sufficient vision care coverage for items like visits to the eye doctor and consumables like contact lenses and lens solutions ask your plan administrator for the most up to date coverage book. This document will detail all of the areas of coverage offered by the current plans they offer. Weigh the costs you will pay each month for “vision care” over the total amount you & your family traditionally spend in a calendar year on vision care and consumables like contact lenses and solutions.

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