A recent survey shows 50% of Americans choose vision insurance plan rather than individual health plans. The Most of the Americans are very much dependent on prescription based eye treatment. The survey showed that almost half of the US citizens do their treatment depending on the prescription provided by the doctors. Sometimes a vision insurance plan offers a benefit package or discount to their potential clients which bring a great value. Still you have the choice to go online and search for the cheapest one. But to be very honest in the long run, vision insurance plan can be well worth the cost.
What is a Vision Insurance Plan?
An eye insurance plan or vision insurance plan is not like regular health insurance plan. The benefits of having vision insurance are either provides a discounted rate for vision services such as eye exams, contacts and glasses and it helps to offset the other services costs as well. Basically two types of vision insurances are available:
- Vision Benefits Package
- Vision Discount Plan
A vision benefits package is mostly like insurance coverage which covers vision services. Sometimes you may be asked to pay a co-payment at the time of the service or buy your contacts or glasses.
On the contrary, a vision discount plan is bit different form a vision benefits package. Here you have to pay full services with lower or discounted rate that has been agreed upon by the network provider. In a discounted plan you are provided a list of network providers who are agreed to charge the discounted rate. Often, there are also some specific eye cares services which are also included in the plan so please make sure before choosing the meets your needs.
Benefits of having a Vision Insurance Plan:
Vision insurance plans are very beneficial especially if you have vision problems. Eventually a single eye glasses can cost more than $200, but with a vision plan you can diminish that cost by 50% or more. You can have the option to get individual plans or plans that cover the entire family. All of them can be particularly helpful in saving money if you cover your children as they can sometimes suffer from several pair of eye glasses in a year.
How to choose the right plan for you?
For choosing the right plan, you have to follow some steps carefully. Clearly review the benefits that are offered, what are covered, how much are covered, how often you can get an eye exam and most importantly how many times you can have pair of eye glasses or contact lenses within a year or a six month period. You can conduct an online search for vision insurance plans or a website where you can compare with different vision insurance companies who offer same type of services. You also need to bear in mind that your vision insurance plan falls within your budget.
At last one more thing needs to be added that vision insurance plans can be beneficial for individually you or your family, even if no one currently wears glasses or has eye problems.