Unlock the Benefits of Comprehensive Insurance Plans

Vision vs. Medical Insurance

Vision insurance is designed specifically for eye care services, including comprehensive eye exams, prescription eyewear, and contact lenses. It often covers a portion or the full cost of these services. Medical insurance covers various eye-related issues, such as eye infections, injuries, and medical conditions affecting the eyes. It typically covers diagnostic tests, treatments, and surgeries related to these medical concerns.

Our helpful staff is here to help you navigate the differences between the two types of insurance to ensure you make the most of your coverage.

Maximizing Your Vision Insurance: Types and Tips

Navigate the world of vision insurance with confidence. Choose between two main plans: Vision Benefits Package, which offers personalized services and pre-tax options, and Vision Discount Plans, which provides flat-rate discounts. Use it or lose it, as benefits often expire annually. Prioritize your eye health by scheduling regular exams, exploring eyewear options, and making the most of your coverage for clear vision tailored to your needs.

FAQs of Vision Insurance Plans

How and Where Can You Obtain Vision Insurance?

Vision insurance is available through individual purchases, employers, school plans, and government programs like Medicare or Medicaid. It’s often included in indemnity health insurance, HMO, and PPO plans. HMOs require care from specific providers, while PPOs offer discounted rates within a network.

Types of Vision Insurance Plans

Vision insurance comes in discount vision plans or vision benefits packages. Discount plans offer reduced rates after an annual fee and deductible. At the same time, benefits packages have a yearly premium, deductible, and co-pay. These cater to various needs, from unions to companies and school districts.

What Does Vision Insurance Include?

Every insurance is different. You will want to read your policy to check your specific benefits. Vision Insurance benefits may cover the cost of annual eye exams, eyeglass frame and lenses, contact lenses and possibly LASIK.

Payment Options

Group vision insurance is paid through payroll deductions or flexible spending accounts if available through your employer. Flexible spending accounts use pre-tax dollars for health benefits, reducing taxation. We will bill you directly if you are self-employed or without employer insurance.