Understanding Vision Insurance Plans

Doctor checking the eye of a child

Doctor checking the eye of a childFor you to maintain your eye health, routine examinations are necessary. They help preserve your vision and safeguard the health of your eyes. These exams might, however, be costly — especially for those who wear contact lenses and prescription eyeglasses.

They can be more affordable through getting a vision insurance plan. Maplegroveeye.vision notes that this type of insurance provides eyewear and eye care individually or through your employer, social health plan, or school district. Here are some facts to help you understand this insurance plan.

How can you get vision insurance?

Vision insurance is a benefit added to your health maintenance organization (HMO), preferred provider organization (PPO), or indemnity health insurance plans. Indemnity insurance allows you to access a health care provider of your choice.

An HMO consists of a group of healthcare professionals that offer health care services at a discounted rate to their members. PPOs also provide health services to their members at discounted prices, but unlike with an HMO, members can opt to get care elsewhere but at higher costs.

What are the types of vision insurance?

There are two kinds of insurance. A vision benefits package offers members eye care at a discounted cost and small co-pay. This is after holders pay yearly premiums.

Discount vision plans work in more or less the same way as vision benefits packages. You, however, get about 15–35% discounts rather than the extensive coverage in a vision benefits package.

What services are covered under a vision insurance plan?

A majority of vision plans include eyeglass frames, contact lenses, eye examinations and eyeglass lenses. They also cover PRK and LASIK at low rates. The discounts differ from one provider to another. Services procured from a professional within your network have significant discounts.

If the insurance is accessible through your employer, they can deduct it from your payroll. Individual policyholders pay monthly or yearly. Ensure you understand the specific terms of your vision plan before signing up.

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