How to Choose the Right Vision Insurance Plan

  • Date:
  • Category: Eyecare
Vision Health Insurance Hendersonville, TN

It’s important to have routine eye care and exams to keep your vision in tip-top shape and to maintain eye health. However, caring for your eyes can be costly. To ensure you can afford adequate eye care, consider investing in vision coverage.


Buying Independent Vision Insurance

The Affordable Care Act considers vision coverage an essential benefit for children, so health insurance plans must include the provision for anyone younger than 18. Adult plans, however, don’t require vision coverage—so the option to purchase a plan is up to the policyholder’s discretion.


Choosing Vision Plans

If your healthcare package doesn’t offer vision coverage, it’s a good idea to add a supplemental plan. The most common plans available are discount vision and vision benefits plans, which are true insurance policies and usually offer greater coverage.

Each month you pay a premium. This rate varies depending on the coverage that you select. As long as this fee is paid and the policy is current, you have coverage for eye exams, glasses frames, lenses, office visits, and other needs. In most cases, the only additional out-of-pocket expense is a small co-pay charged at the time of the visit.

Discount vision plans work differently. You use the service only when you need it instead of paying such a large premium. The insurance company covers a portion of your costs, usually up to a certain amount. You’re responsible for the remaining fees and any expenses that exceed the determined amount. Many discount vision plans cover most costs associated with glasses and contacts.


Evaluating a Vision Insurance Plan

The first step is to consider your eye care needs, now and in the future. Review records if you have them to determine what services your family uses and how often. If you and your dependents utilize multiple services, it may be best to purchase a traditional vision benefit plan.

Compare the benefits of each program. Some plans may offer special incentives that are more useful to you. A discount plan with a focus on glasses, for example, could be beneficial if you or your dependents wear them. You should also evaluate cost. It may be worthwhile to lose a few benefits for a lower payment, or vice versa.