Bernardini & Donovan Insurance Services

Group Vision Insurance

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eye insurance

What Is Vision Insurance?

The cost of routine eye exams and prescription eyewear can be of real concern, especially for large families.

In many cases, vision insurance can lower these annual expenses. A vision insurance policy is not the same as health insurance. Regular health insurance plans protect you against financial losses due to unexpected eye injuries or disease.

Vision insurance, on the other hand, is a wellness benefit designed to provide routine eye care, prescription eyewear, and other vision-related services at a reduced cost.

Where can I get vision insurance?

Also, as an individual, you have the option of purchasing your own vision benefit plan.

Group vision insurance can be obtained through your company, association, school district, etc., or through a government program such as Medicare or Medicaid.

What kinds of vision insurance plans are available?

Vision insurance typically comes in the form of either a vision benefits package or a discount vision plan. Typically, a vision benefits package provides enrollees eye care services in exchange for an annual premium or membership fee, a yearly deductible (a dollar amount) for each enrolled member and a co-pay (a smaller dollar amount) each time a member accesses a service.

A discount vision plan provides eye care at fixed discounted rates after an annual premium or membership fee, and a deductible is paid. Both kinds of vision insurance can be custom-designed to meet the different requirements of a wide range of customers, including school districts, unions, and big and small companies.

What does vision insurance cover?

Vision insurance generally covers the following services and products:

  • Annual eye examinations
  • Eyeglass frames
  • Eyeglass lenses
  • Contact lenses
  • LASIK and PRK vision correction at discounted rates
  • Generally, services acquired from network providers are cheaper than services from out-of-network providers.

What are my payment options?

Typically, if group vision insurance is available from your employer, you pay for it through payroll deductions.

Questions about your Vision Insurance Needs?