Vision

Vision insurance only supplements regular health insurance. Regular health insurance plans protect you against financial losses due to unexpected eye injury or disease. Vision insurance, on the other hand, is a wellness benefit designed to provide routine, preventive eye care such as eye exams, eyewear, and other services at a reduced cost.

Vision insurance is often a value-added benefit linked to indemnity health insurance, health maintenance organizations (HMOs), and preferred provider organizations (PPOs) that have contracted with managed vision care networks to provide eye care services.

When you buy vision insurance, you receive the following benefits:

• Access to a network of providers, including optometrists and ophthalmologists, eyewear stores, optical laboratories, and LASIK/PRK surgeons 
• Access to routine, preventive eye care services at reduced rates
  

What kinds of vision insurance plans are available?

Vision insurance typically comes in the form of either a vision benefits package or a discount vision plan. Typically, a vision benefits package provides enrollees eye care services in exchange for an annual premium or membership fee, a yearly deductible (a dollar amount) for each enrolled member, and a co-pay (a smaller dollar amount) each time a member accesses a service.

A discount vision plan provides eye care at fixed discounted rates after an annual premium or membership fee and a deductible are paid.

Vision insurance generally covers the following basic services:

• Annual eye examinations, including dilation
• Eyeglass frames
• Eyeglass lenses
• Contact lenses
• LASIK and PRK vision correction at discounted rates

For more information please call (203) 237-7900 or click here

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