Keeping your vision clear can come with a hefty price tag. However, know that there is a vision insurance plan that can help you meet your eye care needs affordably. It usually covers the cost of prescription eyeglasses or contact lenses as well as eye exam visits. You can either get coverage through your employer or purchase it separately on your own.
Available Vision Insurance Plans
Vision insurance plans are generally categorized into two: vision benefits plans and discount vision plans. Here’s the description of each one:
- Vision benefits plan – It is an insurance policy where you have to pay monthly premiums so you can get coverage for yearly eye exams, eyeglasses, contact lenses and other eye care needs. Every time you use one of the services, you’ll be paying a small fee called a copayment.
- Discount vision plan – It is the same as the vision benefits plan in terms of coverage. The only difference is that the provider gives you between 15% and 35% discount on the services rather than the more extensive coverage of costs in the above plan.
Deciding on the Right Vision Insurance Coverage
To determine which of the two vision insurance plans best fits your needs, begin by calculating how much you’ve spent on vision care over the past few years. If you don’t spend that much on account of having good eye health, you might consider a discount plan. Otherwise, a vision benefits plan may probably be a worthwhile choice.
Before you decide, you should also consider a few things. Check if your eye doctor is included in the plan’s network. Review the plan’s monthly premiums and the required copayments. Find out if you need to secure approval first before going out of the plan’s network for vision care.
Trust Guilford Eye Center for all your family eye care needs. We bring you the latest in ophthalmic care with more than six decades of combined experience and state of the art equipment. Our services include eye exams, prescriptions for eyeglasses and contact lenses, eye disease management and dry eye treatments.
Call (336) 292-4516, or fill out our contact form to make an appointment. We serve residents of High Point, NC, and the surrounding communities.