Vision Insurance - How To Choose Your Vision Plan

When and why would you need a vision insurance? How to make the most out of it in your particular situation?

If you would like to be able to clearly see objects that are farther way than arm’s length from your face, then you can probably correct your vision through the use of glasses or contact lenses. You might also be able to have LASIK surgery performed that can correct your vision without your needing to wear anything on or in your eyes.

It's also wise to think about getting one if some of your family members have a history of poor eyesight or deal with eye diseases. With vision insurance you can get coverage that will pay for all or most of your vision care procedures.

There is no concern about “pre-existing conditions” with this type of insurance because insurers know that so many people need some type of vision correction done sooner or later. Therefore, they expect you to already have some vision problem when you purchase the insurance.

Of course, if you get the insurance when your eyesight is still perfectly fine you’ll pay lower premiums. Depending on your current eyesight circumstances, your premiums will be higher or lower.

Benefits Package Or Discount Plan?

When looking them over, ask yourself:

• Which vision plan provides the products and services that best meet my needs?

• Does the plan have quality assurance in place as well as simple to follow grievance procedures?

• Which vision plan is the most affordable without compromising on quality?

Again, some vision insurance plans offer a benefits package while others offer discounts.

For the benefits package, you might have to have a co-pay plan where you have to pay some of the price of eye care products or services and then your insurance provider pays the remaining balance (up to a maximum amount per year in some cases).

On the other hand, with the discount plan you have access to a group of eye care specialists who have agreed to only charge you the discounted prices for their services, but you will always have to pay that discount price in full - there won’t be any balance payment by your insurance provider, because they have worked to use the premiums you pay them to get you the discounted prices.

With either type of insurance plan, you buy:

• Specified eye care products and services; and,

• A specific group of eye care providers usually made up of optometrists and general ophthalmologists.

So, to reiterate, check carefully into the what you will get with each plan and how much each plan will cost you. But don’t neglect your eyesight just because you don’t have eye care insurance.

And ask your employer if they will pay part of your premiums or pay them for you.



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