Small group vision insurance helps offset the costs of routine eye exams for your employees and helps pay for vision correction wear, like eyeglasses, that may be prescribed by physicians or eye-care specialists. Small group 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 small group 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 small group vision insurance plans are discount plans or wellness benefit plans that provide specific benefits and discounts for an annual premium.
At Shelton Insurance, we are small group vision insurance brokers who can help you fully understand the costs and benefits associated with the small group vision insurance plans you are considering for your business. We’ll show you how small group vision insurance plans usually operate differently than other health insurance plans or major medical insurance.
When you buy small group vision insurance, you and your employees 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.
Small group vision plans often pay at least a portion of:
Many small group vision insurance plans have additional options for coverage, such as:
Small group 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.
Small group 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 small group vision insurance for your business? 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.