Having a proper vision is one of the most important facets of the human body functioning, but most of us seem uninterested in buying an eye insurance from all the health insurance programs. A majority of the health insurances do not cover an eye insurance under them. A research has shown that out of 14 million people in the country that have a vision impairment, approximately 80% could have good vision with the help of refractive correction. There is a high possibility that a vision insurance may or may not be included in an employer health insurance plan or even the individual health insurance plans. Following are some of the companies that offer a vision insurance:
VSP Direct
VSP Direct has a large number of users that use the vision care insurance provided by them. They are one of the most well-known eye insurance care providers in the country right now. The insurance is available as part of the employer benefit packages as well as the individual vision insurance policy. A standard coverage by VSP Direct includes a comprehensive plan that has other eye care needs like an annual eye exam, the choice of contact lenses or even a new pair of glasses every 12 months. An allowance for LASIK procedures is also provided by this company.
EyeBenefits
This company is slightly different from the general insurance companies as it has a standard yearly fee instead of the conventional monthly premium system. Even if there is a set standard yearly fee in place, there is no limit on the number of times you can use this coverage in the course of a year. The purchase of the coverage can be for a year, two years or even three years. EyeBenefits pays for a certain percentage of the costs incurred for routine eye checkups and procedures. The membership with EyeBenefits entitles you to a discount of 20% on the eyeglass examinations and up to 30% on the examination for contact lenses. If you are going for the LASIK procedures, you can get up to 50% discount on the expenses of the surgery. There are more than 10,000 locations that accept the EyeBenefits insurance.
Humana
Humana is a vision care insurance company that offers the benefits at a flat rate. The rates by this company are comparable with the other top vision insurance providers and are charged in the form of monthly premium to the policyholders. FramesDirect provides their eyewear products at a discounted rated to Humana policyholders. Subsidized rates for eye exams, low premiums and copay amounts, as well as yearly eye frame replacements, are some of the benefits associated with the Humana eye insurance. The Vision Focus plan by Humana charges you a one-time enrollment fee.
UnitedHealthcare
The vision insurance provided by UnitedHealthcare is underwritten through the Golden Rule Insurance Company. The ‘no waiting periods’ and coverage benefits of the eye insurance is available to the customers of all ages. If you use the insurance with one of the partner providers then you can use the coverage and get a great discount, however, a subsidized amount of the discount is available at the out-of-network stores as well. The copay amount of eye exams is around $10 and there is a certain percentage of discounts for the LASIK procedures. The standalone vision insurance is available in only in select states, it is available as a rider with the dental insurance in most states.
Blue Cross
The vision care insurance plan offered by Blue Cross is a plan through the EyeMed Vision Care. The members of this insurance plan have access to 18,000 providers at more than 10,000 locations including optometrists, ophthalmologists as well as opticians. There are many attractive discounts provided by EyeMed Vision Care; they can go up to 50% for the eye care and eyewear services. The replacement eye contacts are available through a mail service as well and there are some discounts on the laser eye surgeries too.
Aetna
Aetna has a network of independent agents and it offers an eye care insurance nationwide through these agents. It is one of the most preferred providers of vision insurance for federal employees. The Aetna vision policyholders are entitled to added savings on in-network vision care including a discount for retinal imaging. The features and availability of the plan, however, differs according to the state. There is a limited discount on the LASIK surgery, a 40% discount on the second pair of eyeglasses and many other exciting discounts and coupons only for the Aetna members.
Davis Vision
This eye insurance company specializes in the vision insurance industry and, predictably, have a variety of vision plan options to fit the requirements and vision care needs of the member. The Transition Signature lenses are available exclusively for the Davis Vision member at a copay amount of around $65. The standard vision plans entitle you to coverage for eyewear, annual eye examinations, eye health and wellness management as well as occupational safety eyewear programs. There are other extended discounts that are offered through the Affinity Discount Program.
