Eye Insurance


Having eye insurance is something that most people are going to love to have, especially those that are glasses or contact wearers. The basic eye insurance plan is going to pay for one yearly visit to get the eyes examined that are often referred to as a well checkup for the eyes. Some insurance plans will also help the person to pay for their glasses. But, for those that are getting contacts, they are going to find that most insurance plans are not going to cover the eye exam for contacts or the contacts themselves as these are not something that are medically necessary, rather people like these because they are not glasses. It becomes more of a beauty and vanity issue, rather than something medical. With that being said, there are several plans for a person to choose from and they will find that they are going to help with the cost of their vision problems tremendously.

There are basically two types of eye insurance plans that are on the market. They are the vision discount plan and the vision benefits plan. Both have their ups and downs, thus people should be certain that they compare these and know exactly what they want and need. The vision discount plan is going to have the person paying a monthly fee, and the amount of monthly fee is based on just how much of a discount that they get when they go to the eye doctor along with how many people that they have insured on the plan. The amount that the person pays is usually around one to two hundred dollars per policy period of the discount plan. With this discount plan, they will have a certain optometrist that they go to who has already agreed to provide the services at the discount count that has been set forth by the insurance company. The person will be given a card in which they show when getting services to let the person know that these discounts are something that should apply to them. The out of pocket cost is going to vary depending on the service that the person has completed.

The other type of vision plan, the vision benefits plan is one that is going to allow the person to pay a deductible for the service that they receive and this is it. They are not responsible for the entire bill amount. They will find that they do have to pay a membership fee or monthly due that is usually around twenty dollars, but can be higher depending on the number of dependents that the person is insuring. Once the max deductible amount is met for the year, the person will no longer have those co-pays as the insurance is going to take care of all of this.

In regard to vision insurance, the person will find that the two types of plans can be offered in two ways. First, an employer can offer vision insurance for those employees that have been with the company for at least six months. And the person will find that they get lower membership rates due to the high number of members that belong to the same company. The other option is for someone to get this on their own, and when getting on your own, as self-employed people would do, it can cost more overall for the person to have the vision insurance that they sign up for.

Keep in mind that the vision insurance is more than just eye exams and glasses, the person will find that they can also have Lasik surgery covered in order to correct the vision once and for all. And in some cases, the insurance company may pay for a one month supply of contacts as a trial for the person.