Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists etc. According to an estimate, almost 50% of Americans suffer from eye sight problems and have to wear the prescribed contact lenses or eye glasses. Vision insurance plans offer great deal to help you with the costs of your contacts, glasses and eye checkup.
An eye Insurance plan is different from the regular health insurances. Eye Insurance plan is designed to help you covering cost of eye checkups and medication by offering partial of full cost of checkup services. There are many vision insurance companies, however in a broad sense Vision insurance plans can be divided into two categories:
A Vision Benefits Package covers all services rendered by eye care professionals. The benefit package pays the balance on your behalf but at times you might have to pay a co-payment for the purchase of your contacts or glasses.
On the other hand a Vision Discount Plan provides eye checkup and other vision services at discounted rates. The discount plan provides you with a list of providers who are covered by your insurance company.
If you have vision problems then it is wise to opt for the Vision Insurance Plan. Eye glasses alone costs around $200 which helplessly we lose of break sooner or later. Vision Plan can reduce the cost by 50%. It also offers a variety of packages which cover your entire family. Especially if the children in your family are also suffering from eye sight problems, it is better to subscribe to a reasonable package with a good insurance company. With children it becomes specially important since they tend to lose or break their glasses more often and constant fixing.