A Quick Guide to
from Winters Insurance
Vision insurance is commonly used to describe health insurance plans designed to reduce your expenses for routine preventative eye care and prescription eyewear. People who have vision insurance pay a small premium every month, and when they visit their optometrist, they pay a vastly reduced rate for exams, eyeglasses, and contact lenses.
The difference between vision insurance and other major medical insurance policies is that while other medical insurance policies provide unlimited benefits after certain co-pays and deductibles are met, vision insurance plans are mostly discount plans or wellness benefit plans that provide specific benefits and discounts for an annual premium. Winters Insurance Group is your local Quincy, IL vision insurance
company, providing affordable and quality vision insurance to everybody who needs it.
Types of Vision Insurance Plans
Vision insurance typically comes in the form of either a vision benefits package or a discount vision plan.
Vision Benefits Package:
A vision benefits package provides free eye care services, eyeglasses, and contact lenses within fixed dollar amounts in exchange for an annual premium or membership fee, as well as a small co-pay each time you access a service.
Discount Vision Plan:
On the other hand, with a discount vision plan, you pay an annual premium or membership fee and then receive discounted rates on eye care and eyewear.
Some vision insurance plans will include a deductible, or a fixed dollar amount that you must pay your eye care provider out-of-pocket before your insurance takes effect.
What is Covered by Vision Insurance?
No matter which type of vision insurance you choose from Winters Insurance Group, your plan can be custom-designed to meet the requirements of a wide range of customers, such as unions, school districts, and big and small companies. Vision insurance plans typically cover or provide discounts on all types of vision-related products and services, like annual eye examinations, eyeglass frames, eyeglass lenses, contact lenses, and surgeries like LASIK and PRK.
How Often Will You Need to Visit an Eye Doctor?
If you wear glasses it’s important to consider how often you’ll need new frames. Depending on your age, your prescription may change more often, so it’s important to factor that into your budget. Contact wearers, on the other hand, must visit an eye doctor every year to renew their prescription. Contacts also pose a greater risk of eye infections and abrasions which could require additional visits to a doctor. Thinking about these factors will help you choose what type of eye insurance plan to purchase. It’s important to discuss your needs with both your eye doctor and one of our insurance agents before making a decision.
Winters Insurance Group
Here at Winters Insurance Group, we know that vision insurance is getting increasingly complicated. However, our insurance experts are here to help you choose the right vision insurance policy for you and your family.
If you want more detailed advice on specific vision insurance plans, contact Winters Insurance Group
today for more information.