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Save Money on Eye Care with Vision Insurance
By Jill Kane
Vision insurance is a form of coverage that is often not included in many insurance plans offered by employers, although it is becoming more common today. Some plans, if they do have vision coverage, may just be for the eye exam. With the costs of glasses, contact lens and the various forms of laser surgery today, many people desire and require vision insurance. Some employers will offer vision insurance at an additional cost. These are the cafeteria style benefit programs where the employee selects the coverage level desired and pays the additional premiums.
There are various vision plans available independent of employer-provided insurance.
Purchased vision insurance programs
differ in the kinds of coverage included and also in the amount of covered expenses. Most plans provide the minimum coverage, eye exam, glasses and contacts and glaucoma testing with the amount paid depending on the terms of the policy. The cost to consumer is approximately $50 per year. The cost is lower if it is an add-on to an employer provided policy or HMO. However, the HMO will restrict the selection of the provider to one within their network.
Some vision insurance plans, like other forms of insurance, will let you select the level of coverage that you desire. The better the coverage is, the higher the cost is. Some even provide partial coverage for laser correction surgery, although this is not included in many plans. Avesis is one such provider of vision plans. Their plan covers glasses and contact lens and a small portion of the costs of LASIK procedures. Their plan does not cover treatment of eye diseases. The insured has to stay within their provider network to obtain the maximum benefits. If they go outside the network, they have to pay the bill in full and submit a claim for reimbursement of the portion of the benefits covered. VSP is another provider of individual vision care plans. Their plans are similar to the one described for Avesis, with some variations. Since VSP is in the process of developing programs in various states, the individual has to check their website to see if coverage is available in their state yet. Eyemed, and Spectera are other vision care providers. All of them make a distinction between network providers and out-of-network providers.
Many employers, realizing the cost of eye care especially with the advances made, like LASIK surgery, make some form of coverage available and many times at an additional cost to the employee. Those without employer provided coverage can look on the internet for available vision insurance plans. Avesis, VSP, Eyemed and Spectera are the vision care providers. The costs and the level of coverage depend on the plan the individual selects but most plans just cover lenses and exams.
For more vision insurance information, visit www.1st-insurance-shop.com
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