Vision insurance is a service, usually offered by an employer, that actually works as a discount for poor eyesight rather than being an actual insurance policy.
Vision insurance plans coverage is typically that of a discount on your eye examination and on the purchase of your glasses or contact lenses. This discount is not general, so you should only choose those frames or contact lenses with which you get the discount covered by your insurance.
Vision insurance is often a supplement to larger insurance packages, such as a group health plan or individual and family health insurance. Because of this, it is much less expensive than other forms of insurance. However, if you don’t need routine eye care or any type of eye care, vision insurance may not be worth it.
Even if it works like a discount, the dynamic of collection is that of insurance, ie you pay a monthly premium to get vision protection. In general, there is no deductible to pay before coverage takes effect.
Generally, there is a limit to the benefits which varies according to the company. You have to pay out of pocket for any service or product after you reach that threshold.
Annual vision insurance benefits include:
• Basic preventative care, including eye exams and vision tests
• Frames, frames
• Prescription lenses
• Contact lenses
• Certain types of eyewear protectors, commonly anti-scratch coatings
Some major vision insurers may offer more coverage at select retailers, so check with your provider for details about their plans.
While policy coverage varies by provider, vision insurance generally does not apply To the next:
• Progressive lenses
• Trifocal lenses
• Anti-reflection coating
• Impact resistant lenses
As for eye procedures, such as LASIKwhich is a refractive surgery for the correction of myopia, hyperopia and astigmatism, they are usually not fully covered by vision insurance policiesAlthough this depends on the plan you have.
For some experts, how and where to buy glasses is more important than trying to get vision insurance. According to Consumer Reports, one of the top rated online sellers is ZenniOptical.com. You can get eyeglasses for $12 to $15, including shipping.
Some of the most popular vision insurance companies include:
• VSP extension
• EyeMed
• you deserve
• Humana
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