Vision Service Plan Insurance – Covers Vision Needs
At some point in everyone’s life, there will be a need for corrective lenses of some kind, whether it be glasses or contact lenses. As such, it’s a good idea to research and purchase an insurance plan for vision services. Of course, if this is provided by the company you work for, so much the better. Vision services plan insurance will generally cover eye care needs, leaving the consumer to pay out-of-pocket for cosmetic enhancements.
Going online to find out about the nitty-gritty of a vision service plan’s insurance policy and what they stereotypically provide is an easy task for anyone, no matter how “computer-challenged” they consider themselves to be. As with any type of insurance, the cost of the plan depends on the type of coverage sought. The more you cover, the more you will pay.
Most plans provide one eye exam per year, as well as lenses and frames for glasses or one pair of contact lenses. Some plans can be set up with more coverage and a range of copays. Coverage for obtaining glasses generally covers the following:
1. Prescription. The eye exam and resulting prescription are performed.
2. Frame selection. Help in choosing frames is provided.
3. Precision of the lenses. Once the lenses have been made and fitted to the glasses, make sure they were made to specification.
4. Assembly. At the time of collection, ensure that the glasses are adjusted according to the facial structure of the individual, this ensures adequate vision.
5. Settings. This takes care of any further adjustment needs due to general wear and tear.
Getting contact lenses usually involves the eye exam, prescription, and then trying on and trying on the new pair of contact lenses. Often the eye doctor will suggest trying a new set of contact lenses for a week or two before ordering a new set. Most vision insurance policies cover the visually necessary aspects of contact lenses but, as mentioned above, leave the cost of cosmetic enhancements, such as colors, up to the patient.