If you wear contacts or eyeglasses, you may already have some idea of how much routine eye care costs. The right vision insurance plan can make it more affordable. In this blog, local eye care center Eye and Vision Care shares a quick guide on how to choose your vision insurance plan.
Types of Vision Insurance Plans
The terms may differ depending on the insurance provider, but you can choose from two kinds of vision insurance plans:
Vision Benefits Plans — This is the type that closely resembles a typical insurance coverage. It covers annual eye exams, new frames, lenses or contacts and various eye care services. In addition to your monthly eye vision insurance premiums, you may also have to pay a small fee called a co-pay when you use one of these services.
This type of insurance is best if you’re required to take a regular eye exam, or if you’re monitoring a related condition, such as diabetes. It should be noted that elective processes such as LASIK or orthokeratology are generally not covered by vision benefits plans. However, some providers may offer discounts for such processes.
Discount Vision Plans — Discount vision plans typically incur lower premiums or fees. Discount vision plans cover many eye care services covered by vision benefits plans, usually eyeglasses, contacts and certain types of eye exams. While it doesn’t provide full coverage, you can get significant discounts for the aforementioned services.
Which Coverage Should You Choose?
One of the first things you should consider is how much you spend on eye care every year. If you’re spending more than two hundred dollars a year on eye care, you should consider choosing a vision benefits plan. If possible, get a list of the services covered by each, and compare coverage for the ones you need. Some providers may include additional value-added coverage such as progressive lenses, prescription sports eyewear or various types of optional coatings. When in doubt, go over the list with your trusted eye care expert.