What is Vision Insurance?

Most people have health insurance coverage provided by the employer. Today, many employers offer additional benefits, such as vision insurance for their employees. Individuals should consider the choice to take this coverage if they suffer from vision related problems.

Vision insurance is a type of health insurance policies typically cover routine eye exams. There is a difference between annual eye examinations and eye-related medical examination. Generally, the reason for the visit to an ophthalmologist determines whether a visit is charged to the medical or vision insurance plan. For example, see a doctor to get prescription glasses for astigmatism falls under the category of vision insurance, while visiting conjunctivitis is usually categorized as part of health insurance coverage.

individual vision insurance plans can vary in the type of coverage they offer. While nearly all provide coverage of annual routine eye exam, one will cover the supply and prescription lenses and contact lenses, while others will cover only one. Some plans cover only a percentage of fees for optometrists and ophthalmologists, with most vision plans limit the total amount to be paid on your behalf.

It is important to thoroughly understand the benefits of the vision plan offered by your employer before deciding whether or not you get it. If you have an existing eye doctor, be sure that he or she is involved in the network in order to avoid incurring additional costs. Also, make sure you know what your doctor charges you for filling on each visit. For example, many doctors will charge an additional fee as part of the refraction of the eye examination to determine a new prescription lenses. Most vision plans will not cover this fee, they will only cover the exam

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Be smart about your eye health. Consider all your options before the election to get vision insurance. Make sure you choose the right vision plan for you and your family.