If you find yourself in the dark about your vision care plan, you are not alone. While vision insurance may seem confusing, it is in your best interest to understand the benefits you are entitled to.
What is a Vision Care Plan?
Your employer may offer a vision care benefit plan in addition to your medical and dental insurance plan. While some normal vision care allowances may be included in the medical health plan, you may have a vision care plan to cover routine eye care services and materials such as glass lips and contact lenses.
Vision care plans are usually provided by companies contracted by private optimists, ophthalmologists, and corporate optical chains. You can make an appointment with any of the eye doctors on your network list. While you may get some sort of refund if you choose a doctor from a network, you will get best coverage if you see a contracted web provider. Vision plans are designed to cover the costs of routine vision care, and not for eye care medical problems, eye disease treatment or diabetes-related eye care.
Choosing a Vision Care Plan
If your employer gives you a choice of sight care plans, which one should you choose? While it’s catastrophic, caution in choosing the most affordable plan. The lowest-cost plans often provide limited coverage and sometimes only discount plans that do not reimburse your doctor for anything.
Typical vision care plans require a combined payout of $ 10 for the exam and maybe $ 15 for materials for basic non-lenses.
The plans often provide a certain allowance for frames, sometimes up to about $ 150. You can choose a higher frame, but you will have to pay the difference. Options like progressive lenses, photochromic lenses or anti-reflective coatings are possible can also be added for a discounted fee.
Below is a list of some of the key vision plans that employers commonly offer:
- Vision Service Plan
- VisionCare Plan
- Benefits of American Vision
- Eyemed Vision Care
- Superior Vision Services
- Davis Vision
Because vision care plans vary widely, you need to spend some time comparing the benefits offered by each policy. You may find a plan that offers specific benefits for your specific eye care needs. Add up the monthly premiums and benefits you receive. Some video plans offer great benefits to the insured and your time and money can be another waste when you add up the monthly premiums and what will actually cost you for a high-end pair or annual contact lenses.
- Extensive network of providers
- Premiums start at $ 5 per month
- There is no waiting period
- The initial plan only gives discounts on frames
- Limited out-of-network care options
EyeMed was founded in Cincinnati in 1988 and has more than 58 million members. He received the JD Power Four Circle Mark, indicating that the company is better than most of the competition. EyeMed insurance plans to partner with major providers such as Pearle Vision, LensCrafters and Target Optical and maintain A + with the Better Business Bureau.
EyeMed maintains three levels of insurance – the more you pay in premiums, the more you get discounts on frames, lenses and contacts. Their basic plan EyeMed Healthy, from $ 5 per month, only offers a discount on frames as a coupon.
Higher priced plans EyeMed Bold and EyeMed Bright, which cost from $ 17.50 to $ 30 a month, offer better benefits. These plans will allow you to get frames and lenses rather than a coupon. With Copa you will cover the cost of improving lenses such as UV protection. None of EyeMed plans have a waiting period.
When you visit their more than 44,000 providers, you can get a 15% discount on your LASIK coupon, a 20% discount on the remaining balance of the frames, and a 40% discount on extra glasses.
Why we chose it : EyeMed has three insurance options that allow consumers to decide which coverage is right for them.