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Vision insurance is a relatively new word in the world of insurance
that actually supplements regular health insurance. While regular
health insurance plans protect you from financial losses in the
event of a sudden eye injury or disease, vision insurance is in
essence a wellness benefit aimed at providing routine, preventive
eye care at a lower cost. You can either buy individual vision insurance
for yourself or obtain group vision insurance through your company,
association, school district, etc., or also through a government
program such as Medicare or Medicaid. Given the rising costs of
eye care and treatment, vision insurance is certainly a welcome
Vision insurance is available typically in two forms: a vision
benefits package or a discount vision plan. If you choose the former,
you receive eye care services in exchange for an annual premium
or membership fee, a yearly deductible, and a co-pay each time you
access a service. The latter, i.e., discount vision plan, provides
eye care at fixed discounted rates after you pay an annual premium
or membership fee and a deductible.
Vision insurance usually covers basic services such as annual eye
examinations including dilation, eyeglass frames, eyeglass lenses,
contact lenses, and LASIK and PRK vision correction at discounted
rates. And, services acquired from network providers are less expensive
than that from out-of-network providers.
Vision insurance costs vary with the design of the program. With
a vision benefits package, you are expected to pay: a monthly premium
or membership fee between $0 and $12, a deductible between $0 and
$35 and a co-pay between $10 and $15 for each network service. In
the case of a vision discount plan, you are likely to pay a monthly
premium or membership fee between $0 and $12, a deductible between
$0 and $35 and a fixed discount price for each service you receive
from a network provider.
Prominent vision insurance companies in the United States include
AlwaysCare, Davis Vision, EyeMed, Spectera and Vision Service Plan
Finding a suitable vision insurance provider has become much faster
and easier thanks to online deals. If you go online, you can also
examine in detail various quotes that assist you in deciding upon
the vision insurance that will suit you best. Before choosing your
plan, it is always better to check various available vision insurance
options and not make a hurried decision. A careful evaluation can
fetch you competitive price tags and, even desired benefits suitable
for you. Get familiar with the terms and conditions of the insurer
you are likely to have an agreement with to avoid any future confusion.
Most of the vision insurance providers enlist a selection of doctors
and clinics where you can visit for eye-check ups, and other eye-related
benefits. Once you purchase or enroll in a vision insurance plan,
get a copy of your plan brochure or find out how to access it online.
Then study it carefully to determine what your benefits include,
what costs are involved, and who is on your network provider list.
It is always a good idea if you procure this list before planning
your eye care schedule.