Using your frame allowance means applying the portion of your vision insurance benefit specifically designated to cover the cost of eyeglass frames.
Your frame allowance is essentially the amount covered by your vision insurance towards the purchase of new spectacle frames. When you visit your eye doctor or optical shop, you select frames, and the cost is applied against this allowance.
Here's how it typically works, based on the allowance amount provided by your insurance:
- If the frame cost is equal to or less than your allowance: You usually pay nothing out of pocket for the frames.
- If the frame cost is more than your allowance: You will pay the difference between the frame's price and your allowance amount.
Let's look at the specific examples from the reference:
- Example 1: If you have a $150 allowance and you pick frames that cost less than $150, you'll pay nothing for the frames. Your insurance covers the full cost up to your allowance limit.
- Example 2: If you have a $150 allowance but choose frames that cost $200, you will pay $50 at the doctor's office. This is the amount that exceeds your $150 allowance ($200 - $150 = $50).
Understanding your frame allowance helps you anticipate your out-of-pocket costs when buying new glasses. It's a key part of utilizing your vision insurance benefits for eyewear.
Tips for Using Your Frame Allowance:
- Know your allowance amount: Check your vision insurance plan details before shopping.
- Ask the optician: They can help you find frames within your allowance or calculate your out-of-pocket cost for more expensive options.
- Consider sales/discounts: Sometimes sales can bring frames that were just over your allowance within the covered amount.
Using your frame allowance is a simple process of applying your insurance benefit towards your frame purchase at the time of service.
