Many insurance plans that are offered by the companies or employers do not cover vision insurance, though vision insurance becoming common today. If vision coverage is given in same plan, mostly it is just limited to eye exam. As the costs of different forms of laser surgeries, contact lenses and glasses are on rise with every passing day, a large number of people desire and need vision insurance.
There are many employers who provide vision insurance at extra premiums. Usually in such sort of programs employee chooses desired coverage and pays the added costs.
A large number of affordable vision plans are available there that are free of employer-given insurance. There are different forms of purchased vision insurance programs according to the kinds of included coverage and the amount of covered expenses.
Most of these plans offer least coverage, eye check-up, glaucoma testing, glasses and contacts with the amount paid according to the terms and conditions of the policy.
It costs almost $50/ year to the consumer and if it is additional to employer offered policy or HMO, the cost is lower.
Like other kinds of insurance, some vision insurance plans also allow you to choose your desired level of coverage. The coverage depends on cost and it gets better and better as the cost gets higher and higher.
Even partial coverage is also provided for laser correction but this is not added in many plans. One well-known name for such vision plans is Avesis. Besides glasses and contact lens, Avesis plan covers a little part of the costs of LASIK procedures and treatment of eye diseases is not covered in their plan. To obtain highest benefits the insured must have to stay within provider network.
Another provider of vision care plans is VSP. With little bit difference, they provide almost similar plans as described for Avesis. Eyemed and Spectra are some other vision care providers.
If you are without an employer provided coverage and looking for some vision insurance plan, you should also search on the internet to get maximum info about different available vision insurance plans. In most of these available vision insurance plans, the costs and the level of coverage is according to selection of the plan, however, mostly these plans cover eye-exams and lenses.