A vision insurance plan can help to pay your substantial vision care bills. A good eye insurance plan can help you to pay lower than retail prices for your eye exam, contacts, glasses and even a LASIK eye surgery.
For example, your eye glasses can cost more than $200, but with a vision insurance policy you can cut that cost by 50% or more.
Some employers offer a vision insurance benefits package to their employees. However, you can also find one and pay for it yourself because it is well worth the cost. You can get individual plans or plans that cover your entire family.
They can be particularly helpful in saving money if you cover your children, if they have vision problems, as they can change more than a pair of eye glasses in a year.
Types of Vision Insurance Plans
A vision service plan is not like regular health insurance. It’s a wellness benefit that either provides a discounted rate for vision services such as eye exams, contacts and glasses or it helps offset the costs of these services.
There are two different types of vision insurance: vision benefits package and vision discount plan.
1. A vision benefits package covers vision services. It is much like insurance coverage where you are required to pay a co-payment at the time of the service or purchase of your contact lenses, and your vision insurance company pays the balance.
2. In a vision discount plan package, you pay for the full services at a lower, discounted rate. Through a vision discount plan, you are given a list of network of eye care providers who have agreed to charge the discounted prices. If you need specific eye care services, review vision plans you want to buy to make sure that the one you choose meets your needs.
The Right Individual Vision Insurance Plan for You
Before you buy a vision service plan, you need to understand vision care needs of all your family members. It will include checking medical records of each family member to find types and frequencies of eye care services used in the past.
This information is useful for choosing the right vision benefits coverage. For example, you don’t want to buy value added services if basic services are adequate for your needs.
Once you understand your vision care needs get several vision insurance quotes from reputable vision insurance companies like VSP Direct. Carefully review the benefits that are offered and what is covered. Make sure you know how often you can get an eye exam and how many pair of eye glasses or contact lenses you can get within a year.
You can conduct an online search to find a site that allows you to compare different companies by their costs and benefits. Also, remember to make sure that you vision plan falls within your budget.
The best vision insurance plan is a vision plan from a reputable provider that meets your vision care needs and save you the most money in the long run.