Vision Insurance – Is It For You?

A little brief about Vision Insurance

Often bought by an independent provider as part of larger employer-provided health insurance, this form of vision insurance typically includes a certain group of benefits geared toward eye care and vision care, including regular eye exams and specific discounts for certain corrective eyeglasses, contact lenses, and other glasses or contact lenses. These plans often also include a portion of vision insurance that pays for eyeglasses and sunglasses when they are purchased over a certain amount of time. These plans vary from employer to employer, but can usually be selected as a group insurance benefit for all employees, or tailored specifically to the benefits needs of each individual employee.

The purpose of vision insurance is to protect the financial future of the typical individual who visits an optometrist every year. This program typically provides discounts on the cost of eyeglasses, contact lenses, and certain prescribed glasses. In addition, this coverage can also cover the full cost of laser eye surgery, depending on the provider’s vision insurance plan. For some, this may not be an option, since it would be extremely expensive. For others, it is a necessity. To this end, some employers actually provide some or all of the vision insurance coverage.

get discounted rates

In addition, the most common vision insurance plan is often the same as or similar to a dental plan. If you’re a student, you may be able to get discounted rates on your prescription eyeglasses through your school. If you belong to a professional organization, you could also be eligible for a discounted rate on your glasses or contact lens purchases. If you purchase prescription eyeglasses or lenses through a participating company, the company will pay the entire cost of your glasses or contact lenses.

One important note: Some eye care specialists say that vision discount plans are sometimes considered elective by some insurance companies, because they are geared toward the younger, healthier crowd. Therefore, younger people with better vision, often times don’t even qualify for these discounts. But as the old saying goes, “the proof is in the pudding.” And in this case, the pudding is definitely colored.

average costs of different policies

Typically, premiums for vision insurance plans are higher than those of the average dental plan. This is due in large part to the fact that these plans are generally less comprehensive. Also, the cost-effectiveness of the plans may also vary from one provider to the next. Some providers offer cheaper premiums but may have fewer benefits than others. The best way to shop around for the best price is to call your optometrist to get an idea of the average costs of different policies.

Before enrolling in a vision insurance plan, you should also make sure that you understand exactly what the benefits package includes. You may be surprised at some of the services that are covered under certain packages. You should also consider comparing the costs of different vision insurance policies before making a final choice. And once you’ve found the right plan, you’ll be ready to start taking advantage of the many discounts and benefits offered.

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