Children, adults, or the elderly, the truth is that no one is free from having a visual problem that leads them to wear glasses or contact lenses. And, although in Spain this problem occurs in a large part of the population, Social Security does not cover all the needs of its inhabitants.
Although wearing glasses or contact lenses is not synonymous with a serious illness, the need to use a visual correction system is an issue that should not be taken lightly.
Indeed, More than 70 million people must use a system that allows them to correct one of the many optical failures that exist today.
So what happens when the Social Security Plan doesn’t cover the cost of these gadgets? How to correct our vision problems?
The outlay for the purchase of an ophthalmological device, whether glasses or contact lenses, is quite high. However, some insurers include special optical coverage in their medical policies that will allow you to cover those needs.
What is called optical coverage?
As with dental insurance or other special policies, optical coverage is the one that the insured subscribes and through which they can access ophthalmological services and treatments that will then be fully or partially reimbursed.
Who can subscribe an optical coverage?
Although each insurance company establishes its own conditions, most set an age limit when contracting policy of this type, ranging between 65 and 75 years.
What does optical coverage include?
The coverage normally offered by optical insurance are:
- Comprehensive eye exams
- Contact lenses
- Graduated crystals
- Prescription sunglasses
- Optical glasses frames
In other words, the optical coverage covers the expenses you have to make on glasses and contact lenses in the event that there is a medical need.
Certain companies may also include in their policies certain additional and infrequent coverages such as contact lenses to modify the color of the eyes, intraocular corrective lenses, prosthetics or implants.
What should you pay attention to?
Hiring the best health insurance, whether general or specific, involves reviewing and searching within what the market offers us.
Given this, it is important that you take into account certain points when deciding on one coverage or another.
As with any type of insurance, companies set limits for each of their policies. As a general rule, most insurers set this limit to one prescription and one bill per year.
However, depending on the type of premium you want to pay, it may be that the company does not cover 100% of the expenses but only takes 50%.
The grace period is the time that must elapse from when you contract your policy until you can make use of its coverage.
Some insurers set the grace period at 6 months, however, there are others that offer you the coverage contracted from day one.
In most insurance policies, insurers set certain exclusions that, in no case, may be covered by the contracted premium. Among them are:
- Medical consultations with an ophthalmologist
- Medical or surgical treatment for the eyes
- Orthoptic exercises
- Low vision
- Replacement of frames or glasses as a result of loss, theft, abuse or breakage
It is important that you remember that a large part of the insurers will not assume the expenses of optical services in the event that the condition has begun on a date prior to the beginning of the contract.