Vision Insurance – What You Need to Know

vision insurance helps you pay for eye exams and related services and products. It is usually offered as a value-added benefit to indemnity health insurance, health maintenance organizations (HMOs) and preferred provider organizations (PPOs).

Many vision plans offer different levels of coverage to suit your needs. You should carefully consider the cost of the plan versus your projected annual eye care expenses to determine if it is an appropriate option for you. Be aware that most vision insurance providers charge a monthly premium and may have a one-time enrollment fee in addition to the cost of services. You also need to understand when your benefits will begin. Some vision plans require you to meet a deductible or out-of-pocket limit before they start covering your costs.

Vision Insurance: Seeing Clearly with Affordable Coverage

We offer a variety of vision insurance options that cater to different preferences and budgets. The EyeMed Healthy plan is ideal for those who need basic coverage. It includes comprehensive eye exams with a copay and discounts on frames, lenses (single vision, bifocal or trifocal) and contact lenses. Our most extensive coverage, the EyeMed Bright plan, provides additional discounts and out-of-network benefits.

Individuals who are not covered by an employer’s vision insurance can purchase a plan directly from a vision insurer or through a health care savings account (FSA) or health spending account (HSA). Generally, these plans have lower premiums than traditional vision insurance but may still have out-of-pocket expense limits. Some individual vision-related expenses can be offset by using funds from an FSA or HSA that you contribute from your paycheck before federal and some state taxes are deducted.

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