The purpose of vision plans is to have a consistant cost for vision care. Vision plans do not have many differences and typically cover:
- Eye Exams
Surgery and other eye enhancements are not covered under vision insurance.
A co-pay may disregard the deductible, co-insurance and out of pocket maximum. The co-pay is subject to specific services on your plan. For example, if your co-pay is $5 per generic brand prescription, each time you go to the pharmacy to obtain this or get a refill you will need to pay $5.
A dollar amount required for the insured to pay before the insurance company will pay your medical bills. This dollar amount may be per person/family on your plan.
Your family deductible is $900 and your individual deductible is $1,000. You went to the doctor for an annual checkup costing $200 and the following week your son went to the ER for an injury with a bill of $1,300, then the insurance company will pay $500 (1,000 – 200 – 1,300) of your son’s bill along with paying co-insurance for each bill afterward.
The dollar amount that you pay consistently to the insurance carrier to own an insurance policy.
A group of doctors that have been pre-approved by the insurance carrier to perform vision care.
When visiting a doctor outside of your insurance carrier’s network customer will not have full coverage and will pay more.
The maximum amount of dollars an insurance company will spend on a specific portion of your plan.
- Eye Exam
- Prescription Glasses Upgrade
- Extra Glasses / Sunglasses
- Retinal Screening
- Laser Vision Correction
*This is not an all inclusive list and may vary by plan, carrier, and state.