Vision Discount Plans
While similar to traditional vision benefits, this type of vision insurance is generally less flexible than a vision benefits package because it offers flat “discounts” across the board for a wide menu of vision-related services, including specified discounts on eye exams, eyeglasses and contact lenses, even many surgical procedures.
You agree to pay the difference in cost in full—however these types of plans generally offer lower premiums than traditional vision benefit plans.
Vision insurance like this typically includes a “network” of participating eyecare professionals who have agreed to honor the stated discounts within the vision plan, so long as you agree to pay the difference.
Vision insurance planning.
It may sound confusing at first, but you can “plan” to use your vision insurance to your maximum benefit by fully understanding what is specifically covered or not covered under your vision insurance plan, and by also discussing options with your eyecare professional to see how best to apply your particular vision coverage to your eyecare expenses.
This planning includes fully understanding any “traditional” health insurance coverage you may have. Unexpected eye injury, or the onset of certain eye diseases and their related treatments is often covered by your traditional health insurance rather than your specific vision insurance plan.
The point here is—it’s your vision insurance, your vision coverage—understanding your particular vision insurance plan is critical to maximizing those benefits.