As we approach the end of the year, it's a great time to assess your vision needs and consider using up any remaining 2024 insurance benefits. Many patients don’t realize that unused benefits often expire at the end of the year, so if you haven’t had your annual eye exam or purchased that pair of prescription glasses you’ve been eyeing, now’s the time to act.
Below, our Riverbank eye care team at Modesto Optometric Vision Center takes a closer look at how to maximize your insurance benefits and ensure you enter the new year with clear vision and peace of mind.
Why You Should Use Your Vision Insurance Benefits Now
Most vision insurance plans operate on a calendar-year basis, which means that any unused benefits typically reset on January 1. If you haven’t taken advantage of your vision benefits in 2024, you could be missing out on significant savings.
Not only does using your benefits save you money, but it also encourages you to prioritize your eye health. Annual eye exams are essential for catching early signs of conditions like glaucoma, cataracts, and macular degeneration—conditions that can develop slowly without noticeable symptoms. By using your benefits now, you can ensure that you’re maintaining optimal eye health and preventing potential issues from affecting your quality of life down the road.
Common Vision Benefits and How to Make the Most of Them
If you're not sure what your benefits cover, check with your insurance provider or reach out to our office. Our team can help you navigate your benefits and understand what you’re eligible for. Here are some ways to make the most of your vision insurance before it resets:
- Schedule an Eye Exam: Book an eye exam if you haven’t had one this year. This exam is crucial for checking your prescription and identifying any developing eye health issues.
- Upgrade Your Glasses: If you’ve been using the same frames for a few years, now is a great time to refresh your look or add features like progressive lenses or anti-glare coating.
- Stock Up on Contact Lenses: If you wear contacts, take advantage of your remaining benefits to purchase additional supplies. This can help you avoid out-of-pocket expenses early next year.
- Consider Prescription Sunglasses: Protect your eyes with a pair of prescription sunglasses, perfect for outdoor activities and year-round sun protection.
Book Now: Avoid the Year-End Rush
As the year draws to a close, eye care providers typically see a surge in appointment requests from patients eager to use their benefits. Booking your appointment now can help you avoid long wait times and ensure you get the services and products you need. Taking early action means you’ll have plenty of time to choose the perfect frames, get fitted for contact lenses, or add lens enhancements to your prescription.
Take Advantage of Your FSA and HSA Funds
For patients with Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs), year-end is also a critical time to use those funds. Both accounts allow you to set aside pre-tax dollars for medical expenses, including vision care. FSAs often have a “use-it-or-lose-it” policy, meaning that unspent funds may not roll over into the new year. Vision exams, prescription eyewear, and contact lenses are eligible FSA and HSA expenses, so don’t let those funds go to waste!
Act Now for Better Vision and Better Savings
Using your vision insurance benefits before they expire is a smart financial decision and a proactive step in safeguarding your eye health. Whether you need a comprehensive exam, a fresh pair of glasses, or an updated supply of contact lenses, our team is here to help you maximize your benefits. Don’t wait until the last minute—schedule your appointment today and make the most of your 2024 vision benefits!
