Which Insurance Policy Covers Eye Disease or Eye Injury?
What Does Vision Insurance Cover?
Vision insurance usually covers a percentage of these basic services:
- Annual eye examination
- Eyeglass lenses
- Eyeglass frames
- Contact lenses
- LASIK and PRK vision correction procedures at a specially discounted rate
Who Provides Vision Care Services?
Usually, plans for vision insurance, including those you purchase or are provided by your employer, contract with eye-care professionals. In some plans, you receive care from an eye-care provider and get a discount on services. Most plans offered by a vision insurance company, however, are called PPOs (preferred provider organizations). This means that your eye care is managed by a network of eye-care providers. In a PPO, you can also use out-of-network eye-care providers but must pay a larger share of the cost.
Eye-care offices and networks generally include optometrists and general ophthalmologists. Some networks may also include ophthalmologists. Ophthalmologists perform refractive surgery and offer LASIK and other vision-correction procedures.
Is Vision Insurance Needed?
If you or members of your family wear corrective lenses and need periodic eye examinations and changes in your lens prescription, it is worthwhile to buy vision-care insurance. If you do not wear or need glasses, you may be able to get a periodic eye examination through your regular health insurance plan.
BeneFinder’s agents can help you save money and time while finding the best vision insurance plan for you and your family.
Can Benefinder Help You?
Whether you're looking for premier insurance solutions for individuals and families our interested in our powerful, all-encompassing Human Capital Management software, we'd love to talk to you about how we can help!