How can I obtain vision insurance?
If you are wanting to add vision benefits to your healthcare coverage, you can purchase it through your place of employment, private pay with insurance company, or through programs like Medicare and Medicaid. Vision insurance is often a benefit than can be added through indemnity health insurance, health maintenance organization (HMO) plans, and preferred provider organization (PPO) plans.
What types of vision insurance plans are available?
There are two types of vision insurance: discount vision plans and vision benefits packages.
In a discount vision plan, eye care services and products are able to be obtained at discounted rates once the annual premium or deductible is paid. While these plans offer lower premiums than vision benefits packages, they do require you to pay the difference between the cost of treatment and what your plan covers, so there will be some out-of-pocket expenses. These plans operate similarly to vision benefits packages, but may be a more preferable option if you only require the basics to suit your vision needs.
In a vision benefits package, an annual premium or membership fee is required as well as an annual deductible and copay for each member enrolled on your plan. Packages usually include a set of benefits that relate to general eye health, maintenance, testing, and various discounts for glasses frames, corrective eyewear lenses, and even surgery.
Both forms of vision insurance are easily customizable to meet your individual needs.
What is included in vision insurance?
While plans vary, standard insurance often includes*:
- Annual Eye examinations
- Eyeglass frames
- Eyeglass lenses
- Contact lenses
- LASIK and PRK vision correction procedures at a discounted rate
*Deductibles and copays may apply
What are my payment options?
Your options when it comes to paying for vision insurance can vary based on the way you obtained it. If you received your benefits as part of a group vision insurance plan from your employer, you will pay for your package through deductions from your payroll or through a flexible spending account.
If you purchased your benefits package independently, you will be billed for the amount owed either monthly or annually depending on your specific package.
For more information about what kinds of vision insurance packages and discounts are available and which option is best for you, contact us today at (580) 255-9717.