What Do Vision Plans Really Cover?

A lot of people have some sort of vision coverage now but don’t fully understand what or how the coverage works. A lot of questions arise when the patient discovers that their is still an out of pocket expense for their eyeglass purchase and they want to know why that is. Amy Hellem does a great job breaking down what vision plans are intended to cover and not cover.

Vision Coverage Plans

The term “vision insurance” is commonly used to describe health and wellness plans designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses).

But unlike major medical insurance policies that may provide unlimited benefits after a certain co-pays and deductibles are met, most vision insurance plans are discount plans or wellness benefit plans that provide specific benefits and discounts for an annual premium.

In effect, these vision discount and wellness benefits plans offer savings much like a gift card. As such, they can be used to cover some of the cost of basic eyewear, or they can be used to make premium eyewear products and enhancements — such as progressive lenses, anti-reflective coating and photochromic lenses —  more affordable.

When purchasing “vision insurance,” be sure you fully understand the costs and benefits associated with the plan(s) you are considering. Also, if you have vision care coverage through a plan at work, be aware that “vision insurance” plans usually operate differently than other health insurance plans or major medical insurance.

When choosing a plan you can always speak with us to help advise you of the specific benefits of your vision plan prior to your eyewear purchase so there are no surprises.

At Schmidt’s Optical and Hearing™ in Stuart Florida we want to always bring you the best service and best quality at the best price. Whether you have a vision plan or not come in and one of our well trained staff can help answer any questions you might have.

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