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COBRA Vision Coverage

COBRA Vision Insurance

Given the high cost of vision care, many people depend on their vision insurance to get yearly eye exams, contact lenses, glasses, and other vision related treatment. However when you lose your job and are considering your health care options, including COBRA, it is important to understand if your vision care will be included if you decide to sign up for COBRA coverage. In addition to understanding how COBRA Vision insurance will work for you, it is also smart to look at other options for coverage. Many people find they can save money by using a private vision plan instead of COBRA vision if they qualify.

Who Qualifies for COBRA Vision Insurance?

To qualify for vision coverage with COBRA, you first must determine if you qualify for COBRA under the federal program or under a state program. If you determine that your do qualify, next you need to determine what type of vision insurance plan you have. In most situations if your vision insurance was part of the general health insurance program (i.e. it was all provided on one plan through one provider) then your vision coverage can be extended with COBRA. However, if your vision plan came from another provider and was a plan that you had to sign up for separately, in most cases you won't qualify for COBRA vision insurance.

The easiest way to figure out if you can use COBRA to extend vision coverage is to call your plan administrator. They will be able to explain whether or not you qualify as well as the cost of continuing that care. For many the cost of continuing vision care with COBRA is actually quite high and they may benefit and save money by opting into a private plan.

Alternatives to COBRA Vision Coverage

Many private companies offer vision insurance plans that start as low as $7 monthly. These plans offer different benefits depending on what you need. Some plans simply offer discounts on vision exams, lenses, and glasses while others allow you to spend a certain amount annually on frames and/or lenses. Specifically, the two major types of vision plans on the market are:

  • Vision benefit packages with a fixed premium: These plans work in the same way as a typical health insurance plan where you pay a fixed premium monthly and it comes with certain benefits including eye exams, frames, etc. This type of plan usually covers more but it also more expensive.
  • Discount plans that offer predetermined discounted prices: These plans offer discounts on common vision related treatments and products including lenses and frames. They are less expensive, but offer less coverage.

One way to explore what vision options you have is to get a quote. Getting a quote will let you explore the plans available in your area, their costs, and what they cover. You can get a quote below to get started.

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