At Pacific Rims Optometry, we know how important it is for families in San Francisco to stay on top of their eye health. From children needing updated prescriptions for school, to adults managing digital eye strain, to seniors keeping an eye on age-related conditions—routine visits can make all the difference.
But here’s the catch: most of these insurance benefits expire on December 31 and don’t roll over. That means families often leave hundreds of dollars in plan benefits unused every year. So before the clock runs out, it’s time to check your insurance plan and make the most of your vision coverage.
Why Families in San Francisco Should Act Before Year-End
Living in San Francisco has its perks—but it also comes with a fast-paced lifestyle and rising healthcare costs. Many benefit plans follow a calendar-year model, meaning your vision insurance benefits reset every January. Here’s why it matters:
- Children’s eyes change quickly: If your child hasn’t had their annual eye exam, you might miss a chance to catch vision issues before they affect school performance.
- Screen time is at an all-time high: Whether you're a remote worker or a student, long hours in front of digital devices increase the risk of eye strain and dryness.
- Vision coverage helps stretch your budget: With the cost of living so high, skipping out on prepaid benefits means spending more out of pocket later.
- Preventive care matters: Regular checkups can detect early signs of conditions like glaucoma, cataracts, or macular degeneration, especially important for older adults.
- Appointments fill up fast: As the holidays approach, local eye care professionals see a sharp uptick in appointment requests. Waiting until December may leave you without an available slot.
How to Use Your Vision Insurance Before It Expires
Not sure where to start? Here’s a quick checklist to help you maximize your vision plans before they expire:
1. Confirm Your Plan Details
Before scheduling an appointment, review your insurance plan to understand what’s covered. Most benefit plans provide details through your insurer’s website or a customer service hotline. Look for information about your annual eligibility, remaining allowance, and who in your family is covered. Knowing the specifics can help you avoid unexpected costs and make smarter decisions.
2. Schedule Your Annual Eye Exam
A comprehensive eye exam is one of the most valuable parts of your vision insurance. It allows optometrists to detect refractive errors, eye diseases, and signs of systemic conditions such as diabetes or high blood pressure. In many plans, the cost of this eye exam is fully covered, so don’t miss out on a benefit you’ve already paid for. If you’re unsure when your last eye exam was, our team at Pacific Rims Optometry can help.
3. Use Your Frame or Lens Allowance
Most vision insurance plans include an annual allowance for prescription glasses or lenses. Whether you're looking for everyday eyewear or stylish designer frames, you can put this credit to good use. At Pacific Rims Optometry, we carry frames from brands like Oakley, Gucci, and Ray-Ban to suit every style. Using your benefit before it expires means saving money while seeing better and looking great.
4. Stock Up on Contact Lenses
For contact lens wearers, vision benefits often include coverage for an annual supply. Ordering before your plan resets can help you avoid paying full price later. We offer all major brands and lens types, including options for dry eye and hard-to-fit prescriptions. If you’re not sure what you’re eligible for, just ask—we’re happy to walk you through it.
5. Ask About Services for Children
Vision insurance for children can cover eye exams and corrective eyewear designed for their growing eyes. School-aged children, especially, benefit from yearly eye exams to detect vision changes that may affect learning. Our practice also offers myopia management options for families looking to reduce long-term risks. Eye health is a lifetime investment, and early action makes a difference.
San Francisco Families: Use Your Vision Insurance Before It’s Gone
At Pacific Rims Optometry, we’re proud to provide trusted vision care for families across San Francisco with access to clear communication, professional advice, and a wide range of products and services.
Our team can help you make the most of your insurance benefits while there’s still time. Book your comprehensive eye exam, and we’ll help you maximize your benefits with no stress or confusion.
Family Vision Insurance FAQs
Can I use my insurance for contact lenses and glasses in the same year?
Some vision insurance plans allow you to use your frame or lens allowance for either glasses or contact lenses, but not both. Check your plan’s details or contact our office; we’re happy to verify what’s covered.
What if I don’t use my vision insurance by December?
In most cases, any unused plan benefits expire at the end of the year and do not carry over. That’s why it’s important to schedule your appointment before December 31.