Driving to work, reading a news article and watching television are likely activities you perform every day. Your ability to do all of these, however, depends on your vision and eye health. Routine eye exams will help maintain your vision as well as detect various eye problems and concerns about your overall health. Obtaining Vision Insurance is a way to make sure you can continue enjoying good health as well as the sights around you.
Vision Insurance coverage is similar to regular medical insurance and is one of the voluntary benefit options commonly offered through employers. When you have Vision Insurance, you pay a premium and the insurance company will cover part or all of the cost for vision care. Vision coverage is available in two basic types of plans:
Vision Benefits Plan – This type of plan is regular insurance coverage. Depending on the specific plan, coverage may differ between in and out-of-network eye doctors. You will typically pay a portion of your eye care cost through a deductible and co-insurance or co-payments.
Discount Vision Plan – With this option you can choose to reduce vision costs without regular insurance coverage. You pay for all your vision care, but at a reduced rate.
Vision Insurance generally provides coverage for basic care and eye wear.
Most vision plans will cover the following services:
- Annual or biannual eye exams, including dilation
- Eyeglass frames
- Eyeglass lenses
- Contact lenses
Some plans may also cover other services, including laser vision care programs or even prescription protective eye wear that is compliant with ANSI and OSHA safety guidelines.