Vision Plans: What to look for

More than 50 percent of the citizens in the U.S. wear reading glasses, corrective lenses or contacts. For those folks—and anyone, really—it’s essential to take a proactive approach to maintaining healthy vision by considering the benefits of a vision plan. There are plenty of vision plans out there. Whether you participate in a vision plan through your employer or independently, rest assured that this type of insurance is worth its weight in gold.

Vision Plans: Two Things to Know

Purchasing a vision plan provides you with two important things: access to a network of eye care providers and a portfolio of specific eye care services and products. Keep your eyes open for network plans that include optometrists, general ophthalmologists, and refractive surgeons who provide LASIK and other corrective procedures.

Discovering your next vision plan should be based on your personal eye care needs. What are your specific eye care issues? What will you need in the future in terms of vision care? Most plans include the eye exam with dilation, frames, lenses, contacts and sometimes, refractive surgery, but be sure to put some thought into what your care needs with be and the anticipated costs.

Certain eyewear products are much higher cost while being mandatory to your healthy vision. Products such as progressive lenses, high-index lenses, polarized lenses, polycarbonate lenses, plastic photosensitive lenses, scratch-resistant coating, anti-reflective coating and more, all require an additional monetary investment. Check out what each plan covers when it comes to these specialty lenses.

Vision Plan Added Benefits

Be sure to explore other added benefits included in your specific vision plan. Flex accounts and special financing options are extremely valuable things to consider. A flex spending account is a pre-tax program allowing you to set aside money to pay medical expenses, prescriptions and more. Some vision plans also include outside financing programs to help you finance healthcare procedures not covered by your insurance provider.

Of course, cost is a major component to choosing anything, from the littlest things in life, to something as important as a vision plan. Simply saving the most money won’t do you any good if you don’t address your medical needs. Please remember to choose the vision plan that achieves your eye-care goals, saves you money and ensures a happy, healthy future.

Do you have a vision plan? Love it? Hate it?

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