What is vision insurance?

Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists. There are many vision insurance companies. The typical vision insurance plan provides yearly coverage for routine eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without co-pays or deductibles, depending on the plan chosen. Vision insurance will help offset the costs of routine check-ups, as well as help pay for vision correction wear that may be prescribed by your ophthalmologists or optometrist.

Do I need vision insurance?

Neither Medicare nor Medicare Supplements cover routine vision care. Most Medicare Beneficiaries end up paying for any routing vision care if they can afford it. There are many Medicare Beneficiaries that cannot afford the cost of vision care or glasses and end up not seeking care. It is a wise decision to review vision coverage with one of our trained Benefit Specialist. To do so please call 1-866-466-9118 or click here to have an agent contact you.

How does vision insurance work?

Typically, a vision benefits package provides enrollees eye care services in exchange for an annual premium or membership fee, a yearly deductible, which is a set dollar amount you pay out-of-pocket before the plan pays anything, for each enrolled member, and a co-pay, which is a set dollar amount paid at the time of service. Keep in mind, however, that your health care insurance plan may cover unexpected eye injuries and diseases. Vision insurance, on the other hand, is a wellness benefit designed to provide routine eye care, prescription eyewear and other vision-related services at a reduced cost.

Vision insurance plans offer either a vision benefits package or discounts on eye care and eyewear. A vision benefits package that covers services such as routine eye exams may require a co-payment at the time of service, with the balance to be paid by your vision insurance plan. The different vision insurance plans are similar to those available with health care insurance policies and dental insurance plans.

When you purchase a vision insurance policy you are purchasing access to a network of eye care providers who have agreed to provide services and/or products at reduced prices. In order to receive the covered services and products that are a part of the plan you purchased, you must use the network of eye doctors established by the plan. This is similar to a health care plan Health Maintenance Organization (HMO) plan or a Preferred Provider Organization (PPO) plan. However, these providers typically are optometrists and general ophthalmologists. In some cases, ophthalmologists who are refractive surgeons and provide the LASIK procedure and other vision correction procedures may be included in the network.

By purchasing a vision insurance plan you are also purchasing coverage for specific eye care services and products, such as routine or emergency eye exams, eyeglasses and contact lenses. A discount vision plan provides eye care at fixed discounted rates after an annual premium or membership fee and a deductible are paid. Both kinds of vision insurance can be custom-designed to meet the different requirements of a wide range of customers, including school districts, unions, and big and small companies.

Basic services offered by a vision insurance policy include an eye examination with dilation, an eyeglass frame, a pair of eyeglass lenses and, in some cases, contact lenses. Refractive surgery, such as LASIK and PRK, also might be included. Additional “value-added” eyewear products that may be covered under certain vision insurance plans include progressive lenses, high-index lenses, polarized lenses, polycarbonate lenses, plastic photosensitive lenses, scratch-resistant coating and anti-reflective coating.

When purchasing a vision insurance policy you need to consider the eye care services and products being offered, as well as the provider network. When purchasing a vision insurance plan you need to evaluate your current and future eye care needs. Ask yourself these questions: 

1) Which vision plan provides services and products that best fits my needs?

2) Which vision plan saves me the most money?

At Medicare Pathways our highly qualified agents will help you evaluate the different plans available in your area and recommend a plan that is both appropriate for your vision insurance needs, as well as an affordable plan. We also offer plans that include coverage for hearing, vision and dental coverage combined under one policy. Indemnity plans usually have limitations on the amount they will pay within a period of time. Contact a Medicare Pathways agent today to discuss your vision insurance needs at 1-866-466-9118.


 Check out our Medicare News Blog

Medicare Pathways, Inc   1-866-466-9118