Group Vision insurance is often overlooked by companies when building their employee benefits plans. However, this coverage can be incredibly useful for people with vision problems. This coverage will help offset the costs of routine checkups as well as assist in paying for glasses.
Vision insurance is generally written as a supplemental insurance policy, attached to your overall medical insurance plan.
What vision services are typically covered under a vision plan?
Coverage generally provides for eye exams, a wide range of frames and lenses, contact lens options, and discounts on laser vision correction. Depending on the vision care plan you choose for your employees, they will make copayments or receive discounts off of these services. Exams are usually covered once every 12 or 24 months.
If I need new glasses, how do I get replacements that are covered?
For glasses (frames and lenses), members receive a discount off the retail price under the Preferred Plan; they will be responsible for copayment(s) for lenses and frames under the Premier Plan. For contact lenses, members will pay a percentage off the retail cost depending on the plan. Some services or types of materials are not covered if they are received from an out-of-network provider.
How much will the average vision plan cover for laser eye correction?
Some Vision Care plans provide a discount off the retail cost of laser vision correction (such as LASIK and PRK) through an approved network doctor or clinic. It is important to check your plan before making any decision because there is often no coverage if treatment is received from an out-of-network provider.