VOLUME 42: Do Health Insurance Extras Cover Anti-Glare Reading Glasses?

When purchasing eyewear, many Canadians look for more than just basic glasses. Anti-glare coatings are a popular option for those who want clearer vision and less strain, especially when using digital devices. But what if you need anti-glare reading glasses? Do health insurance extras cover them? This article will guide you through how health insurance extras work and how you can maximise your benefits to get the most from your policy.

What are health insurance extras, and how do they work?

Health insurance extras are additional benefits that go beyond basic hospital and general treatment coverage. These extras can help cover a variety of services, such as dental, optical, physiotherapy, and more. Here’s a quick overview:

• Optical cover: Includes eye exams, prescription glasses, and contact lenses.
• Physiotherapy and other services: Covers treatments like physiotherapy and chiropractic care.
• Claims process: You can typically claim extras either directly in-store or by submitting receipts to your health insurer.
• Limits: Each insurer has different annual limits for extras, so knowing your benefits will help you maximise savings.

In Canada, many health insurance providers offer optical cover as part of their extras, meaning you may be able to claim for prescription glasses, including those with anti-glare coatings.

Do health insurance extras typically cover anti-glare coatings?

Anti-glare coatings are more than just a luxury. They offer valuable benefits, such as reducing eye strain, improving night vision, and enhancing clarity, especially when using screens for extended periods. But are they covered by your health insurer? The answer can vary, so here's a breakdown:

• Optical extras: Many insurers cover optical extras, including anti-glare coatings, although the extent of the coverage may depend on your plan.
• Prescription glasses: Some policies specifically cover prescription glasses, which may include lenses with anti-glare coatings.
• Upgrades and add-ons: Anti-glare coatings are often considered an upgrade. Some insurers will cover the basic cost of lenses but charge extra for special coatings.
• Limits and rebates: Coverage may be subject to annual limits. Be sure to check your provider’s rebate details for exclusions or restrictions.

If you're thinking of adding anti-glare coatings to your reading glasses, confirm with your health insurance provider whether it's covered under your extras.

What types of health funds offer coverage for anti-glare reading glasses?

Several health funds in Canada include optical extras that may cover anti-glare lenses. Here’s a look at some popular options:

• Blue Cross: Offers a range of optical extras, including coverage for anti-glare coatings.
• Sun Life: This policy covers prescription glasses, and anti-glare coatings may be included, depending on your policy. For those looking for more in-depth information, a detailed guide on Sun Life insurance plans can help clarify the specific benefits included in their policies.
• Manulife: Offers an extensive range of optical benefits, including coverage for upgrades like anti-glare coatings.
• Desjardins: Provides rebates for prescription glasses and contact lenses, with some policies covering coatings.

Are there any exclusions or limitations to health fund coverage for anti-glare lenses?

While health insurance extras may cover anti-glare coatings, there could be exclusions or limitations:

• Upgrades may need to be fully covered: Anti-glare coatings might be considered an additional cost, with some health funds covering only the basic lens price.
• Policy limits: If your health fund has a cap on optical claims, you may not be able to claim the full cost of upgraded lenses.
• Excluded providers: Some health funds have preferred providers. If you choose to buy glasses from a non-participating store, you may not receive full benefits.

When purchasing prescription glasses online with health insurance, review your policy’s exclusions or limitations. Always double-check with your health fund to confirm if any exclusions apply to your plan.

Why should you choose high-quality anti-glare reading glasses for your eye care?

Opting for high-quality anti-glare reading glasses has several advantages for your eye health:

• Reduced eye strain: Anti-glare coatings help reduce harsh reflections from screens and overhead lights, making it easier to focus for long periods.
• Improved comfort: These glasses minimise glare, helping prevent headaches and discomfort caused by prolonged digital device use.
• Better night vision: If you often drive at night or work in low-light environments, anti-glare glasses can improve your vision and reduce glare from headlights.
• Enhanced durability: High-quality glasses are built to last, providing long-term value for your investment.

How can you get assistance with your health insurance claim for anti-glare glasses?

If you’re unsure about how to file your health insurance claim for anti-glare glasses, there are resources to help guide you:

• In-store assistance: If you’re shopping in-store, the staff can assist you with your claim on the spot, ensuring a quick and easy process.
• Online support: Customer support can provide the necessary documentation for online purchases and help you submit your claim directly to your health fund provider.
• Dedicated help: Whether in-store or online, assistance is available every step of the way to ensure you feel confident in navigating the claims process.

Additionally, if you’re wondering which health funds cover glasses, it’s important to check with your provider. Coverage varies depending on your plan and the specific eyewear benefits they offer.

Get the most out of your health fund benefits with Dresden Vision

Dresden Vision offers a wide range of affordable, high-quality glasses. With our streamlined online shopping process and in-store expertise, we make it easy to find the perfect pair for your needs. Plus, we work with major Canadian health funds to help you maximise your benefits. Don’t let the cost of high-quality eyewear hold you back—contact Dresden Vision today and discover how easy and affordable it is to see clearly.