Vision Service Plan Insurance - Covers the Necessities of Sight

At some point in everybody's life there is going to be a need for corrective lens of some sort, whether they be glasses or contacts. As such it's a good idea to look into and buy vision service plan insurance. Of course if this is provided for by the company you work for so much the better. Vision service plan insurance will generally cover the necessities of eye care leaving the cost of cosmetic enhancements up to the consumer to pay out of pocket.

Going online to find out about the nitty gritty of a vision service plan insurance policy and what they stereotypically provide is an easily facilitated task that any individual no matter how computer "challenged" they deem themselves to be. As with any type of insurance the cost of the plan depends on what type of coverage is sought after. The more you cover the more you will pay.

Most plans provide for an eye exam per year as well as lenses and frames for glasses or a set of contacts. Some plans can be set up with more coverage and a series of co payments. Coverage of getting glasses usually encompasses the following:

1. Prescribing. The eye exam and resulting prescription are done.

2. Frame selection. Help is given in choosing frames.

3. Accuracy of lenses. Once the lenses have been made and placed in the glasses making sure they have been done to specifications.

4. Fitting. At the time of pickup making sure that the glasses are adjusted in keeping with the individual's facial structure, this ensures proper vision.

5. Adjustments. This takes care of any subsequent need for adjustment due to general wear and tear.

Getting contacts usually entails the eye exam, prescription and then trying on and testing the new pair of contacts. Oftentimes the ophthalmologist suggests testing a new set of contacts out for a week or two before ordering a new set. Most vision service insurance policies cover the aspects of contacts that are visually necessary but as mentioned previously leave the cost for cosmetic embellishments-such as colors-up to the patient.

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How to Choose the Best Vision Insurance Plan!

Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists etc. According to an estimate, almost 50% of Americans suffer from eye sight problems and have to wear the prescribed contact lenses or eye glasses. Vision insurance plans offer great deal to help you with the costs of your contacts, glasses and eye checkup.

An eye Insurance plan is different from the regular health insurances. Eye Insurance plan is designed to help you covering cost of eye checkups and medication by offering partial of full cost of checkup services. There are many vision insurance companies, however in a broad sense Vision insurance plans can be divided into two categories:

A Vision Benefits Package covers all services rendered by eye care professionals. The benefit package pays the balance on your behalf but at times you might have to pay a co-payment for the purchase of your contacts or glasses.

On the other hand a Vision Discount Plan provides eye checkup and other vision services at discounted rates. The discount plan provides you with a list of providers who are covered by your insurance company.

If you have vision problems then it is wise to opt for the Vision Insurance Plan. Eye glasses alone costs around $200 which helplessly we lose of break sooner or later. Vision Plan can reduce the cost by 50%. It also offers a variety of packages which cover your entire family. Especially if the children in your family are also suffering from eye sight problems, it is better to subscribe to a reasonable package with a good insurance company. With children it becomes specially important since they tend to lose or break their glasses more often and constant fixing.

Vision Insurance Plan with a good company will provide you with the quality service. Companies offer a wide range of plans suitable for a variety of customers. Carefully review the benefits offered by the company in each package. You should consider how often you would have to get an eye exam and how many pair of eye glasses or contact lenses you may need yearly or half yearly. It will help you to decide which package is more suitable for your needs, so you can derive maximum benefits. You can conduct some research online, in order to find the best Vision Insurance plan for your requirements and within your budget.

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How to Save Money at the Eye Doctor

Many people have health insurance but don't carry things like vision coverage. The reason for this is that it is expensive and many times doesn't seem to cover very much. There is also the mindset that a heart attack could bury you financially but a new pair of glasses won't so why worry. The result is millions of people putting off visits to the doctor until the problem is too big to ignore, then paying for everything out of their own pocket. It is estimated that 7 out of 10 Americans are either under insured or completely uninsured and some of the largest numbers are those without vision coverage.

Maybe you are one of the many that wants lasik surgery but hasn't done anything because you don't have the money, or needs new glasses but doesn't want to spend the money. You're not alone. People are delaying treatments that can greatly improve their quality of life because of money. We also know that if little problems are left untreated they can often grow into much bigger conditions that are more difficult and more expensive to correct. Sometimes they even leave permanent damage.

I personally have faced the dilemma where I didn't want to fork out large amounts of cash every month for insurance I would rarely use, but at the same time paying those huge doctor bills wasn't any more appealing. I started researching and looking for an affordable answer to my problem. After going through numerous articles and website that where pretty much selling me the same thing I discovered a new concept called customer driven health care. it turns out that the majority of people are like me and put off check ups and exams as long as possible. This has really hurt medical practices especially eye doctors & dentists, leaving them hungry for new patients.

There are now medical savings groups that bring doctors together with members. The doctor get a new influx of new business and the members get huge discounts on services. Everybody wins.

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Been To An Eye Appointment Recently? Expensive!

Not long ago, I was talking to a very nice lady who noted that she had laser surgery done some 10 years ago. She now seemed to have what are called "floaters" underneath the lens of her eye. She was worried about that so she went in and scheduled an appointment with the eye doctor, and he confirmed that this was quite common, and these floaters would eventually go away, not to worry about it. That was good news for her, although her appointment cost her $275 to discover this, after a mere 15 to 20 minute visit, and one hour wait in the waiting room.

She didn't have eye insurance, and she was unsure if she could get eye insurance now due to the fact that she had a pre-existing condition, and she already had laser surgery 10-years the prior. Still, you may be surprised that you are still eligible for eye insurance in this case, even if new ObamaCare mandatory insurance purchase for your personal healthcare doesn't cover this, oh you didn't know that, too bad the Congress didn't read the bill before they signed it?

Eye insurance is an add-on type of insurance, or you can get it a la carte. You might be surprised to learn that your employer offers eye insurance, and all you have to do is check off the box and they will deduct the premiums from your paycheck each month.

If you do end up with some sort of on a problem and you don't have insurance for your eyes, you won't believe how much it's going to cost, it could easily run you tens of thousands of dollars before you even realize what happened. Sometimes if you are involved in an auto accident, and your eye injury is caused by the accident, you might be covered, although there are some things auto insurance will pay for, and some that won't. You might want to look into that to make sure that you are covered in this case, but also for yourself and your family. Losing eyesight is about one of the worst things that can happen to someone.

No, I'm not trying to scare you, I'm just being blunt with the reality of the situation. There are plenty of people that sell insurance for the eyes that are out to scare people of all the potential eventualities that can cost them their life savings. That's not what I'm suggesting, I am merely advising you to go look into it, and know what you are dealing with in advance, just in case. Indeed I hope you will please consider all this and think on it.

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Vision Insurance - Spectera

Spectera touts its principals of high quality while maintaining affordable costs associated with vision care. Their vision plans offer flexible programs, with and without co-pays, and with a full range of choice of frequency options and methods of funding.

Spectera's benefits include:

Comprehensive Eye Exams-the eye doctors that partner with Spectera provide complete and thorough vision exams which include both the diagnosis and a treatment plan if required. Frames-Most frames on the market today are covered, in full, except for applicable co-pays. Contact Lenses-Spectera's contact lens benefits are unparalleled in the market. The exam, the fitting, the contacts (even disposables) and up to two follow-up visits are covered in full, after the applicable co-pay. Laser Eye Surgery-partnering with the Laser Vision Network of America, Spectera members have access to substantially discounted laser eye surgery. Members have access to more than 400 NCQA, National Committee for Quality Assurance, credentialed laser vision locations and receive a 15% discount off the standard or usual and customary price, or 5% off of any promotional price that may be offered at the time.

Spectera is proud of its unmatched network availability. Not only do their clients include both private and retail chain providers, but they own their own chain of United Optical stores. This means that most members of Spectera will have no problem finding a conveniently-located provider. From their site you can even look for a provider before ever signing up, which ensures that you will have the access you need. You can search on either your zip code and within up to a 50 mile radius or you can search by city and state. You can also search by doctor or practice name and get complete driving directions. How could it get any easier?

Spectera also has the means to oversee their quality control and cost containment. Spectera's optical laboratory, Crown Optical, maintains stringent quality standards, even more than the ANSI, the American National Standards Institute. Leading edge technology and software has resulted in the highest quality and efficiency in the fabrication of eyeglasses in the industry. And in order to deliver on their cost-containment pledge, Spectera's providers deliver services at 20 to 40 percent below the usual and customary charges for eye exams, lenses and frames. Spectera even has a double-claims system in place, allowing for easy processing of both electronic and paper claims.

Spectera also offers in and out-of-network benefits and has a handy toll-free number and an email support system to determine coverage and to help in the claims process.

So, when making a decision on vision insurance, or if you are a company looking for vision coverage for your employees, make sure to include Spectera in your cost and benefit comparison.

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Vision Insurance and Prescription Glasses

A lot of people wonder whether their insurance policy covers prescription glasses too. The answer to this question will depend, of course, on the type and breadth of your policy. Generally, unless you have a specific vision insurance policy, prescription glasses will not be covered.

In most policies, vision and things related to it (glasses, contact lenses, etc.) are covered only if there is any damage to your eye due to an accident or injury. Routine eye problems are not covered under most plans. Therefore, it is recommended that you get a group or individual vision insurance policy - a small add on to your general plan that will significantly lower the costs of regular eye exams. Additionally, most plans also subsidize the cost of prescription glasses or lenses along with any surgery such as LASIK, etc. The only condition is that you have to procure the glasses from specified opticians only.

The add on cost of vision insurance over your existing policy is generally small (around $150 p.a. - less than $15 per month) There is usually a deductible which is under $50 in most cases. This is a significantly small price to pay for the rewards, which can include coverage for routine eye exams, prescription glasses, lenses, and even surgery such as LASIK, etc.

A group or individual vision insurance policy is a great choice for those who have a history of vision related problems. With the amount of time spent before computer and TV screens, the chances of damaging the eyesight have only increased. Keeping these factors in mind, it is recommended that you get a vision policy in addition to your regular insurance plan. The costs are minuscule compared to the benefits. Not only will it cover your eye exams, but also help you save money on glasses, contacts, and even surgery.

Vision Insurance Considerations   Vision Insurance Plan - How To Choose Eye Insurance Plans   Why You Should Have Vision Insurance   Vision Insurance and Prescription Glasses   Where to Get Individual Vision Insurance