Family vision insurance helps offset the costs of routine eye exams and helps pay for vision correction wear, like eyeglasses, that may be prescribed by physicians or eye-care specialists. Family vision insurance is generally considered supplemental insurance, which means that consumers generally buy vision insurance in addition to other types of medical insurance policies. Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK.
But unlike major medical insurance policies that may provide unlimited benefits after a certain co-pays and deductibles are met, most family vision insurance plans are discount plans or wellness benefit plans that provide specific benefits and discounts for an annual premium.
At Shelton Insurance, we can help you fully understand the costs and benefits associated with the family vision insurance plans you are considering. If you have vision care coverage through a plan at work, we’ll show you how family vision insurance plans usually operate differently than other health insurance plans or major medical insurance.
When you buy family vision insurance, you receive access to a network of providers, including optometrists and ophthalmologists, eyewear stores, optical laboratories and LASIK surgeons, plus routine, preventive eye care services at reduced rates.
Family vision plans often pay at least a portion of:
Many family vision insurance plans have additional options for coverage, such as:
Family vision insurance may not pay for eye care related to medical issues. If your optometrist finds medical problems during your vision exam, he or she would refer you to a medical eye doctor such as an ophthalmologist. Although vision insurance may not cover medical services for your eyes, health insurance often does.
Family vision insurance typically comes in the form of either a vision benefits package or a discount vision plan. Typically, a vision benefits package provides free eye care services and eyewear within fixed dollar amounts in exchange for an annual premium or membership fee and a relatively small co-pay (fixed dollar amount) each time you access a service.
In some cases, a vision benefits package or discount vision plan may also include a “deductible” — a fixed dollar amount you must pay your eye care provider out-of-pocket before the insurance benefits take effect.
Ready to get vision insurance for your family? We’re here to listen to your questions and help you get answers. Sometimes talking over the phone is easier. Call us at (831) 637-8941.