Vision Insurance
Plans
Glossary
Benefits
Coverage Plans
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
- Frames
- Lenses
- Contacts
Surgery and other eye enhancements are not covered under vision insurance.
Glossary
Payments
Co-Pay
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.
Deductible
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.
Example
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.
Premium
The dollar amount that you pay consistently to the insurance carrier to own an insurance policy.
Other Terms
Network
A group of doctors that have been pre-approved by the insurance carrier to perform vision care.
Out-of-Network
When visiting a doctor outside of your insurance carrier’s network customer will not have full coverage and will pay more.
Allowance
The maximum amount of dollars an insurance company will spend on a specific portion of your plan.
Benefits*
Core
- Eye Exam
- Contacts
- Prescription Glasses Upgrade
- Frame
Lenses
- Single
- Bifocal
- Trifocal
- Progressive
- Enhancements
Savings
- Extra Glasses / Sunglasses
- Retinal Screening
- Laser Vision Correction
*This is not an all inclusive list and may vary by plan, carrier, and state.
Frequently Asked Questions
Do we insure people with poor health?
Yes! Anyone who is a citizen of the United States is given healthcare as a natural right and will be provided for despite their health history.
What payment methods do we accept?
Payments through a mortgage, direct billing through mail, EFT (Bank Account), debit and credit cards.
How can I file a claim?
Your healthcare provider’s billing department should file your claim for you. If you have any questions about your bill it is best to contact your insurance provider and healthcare provider’s billing department directly.
Am I fully covered under my employer's health insurance?
The real question is my employer’s health insurance good enough to meet my needs. We can help you answer this question and find a health insurance plan compatible with your employer’s health insurance.
If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email