What Does Vision Insurance Cover?

woman getting an eye exam

Don’t let the term “vision insurance” scare you. This helps reduce your costs for routine preventive eye care (eye exams) and prescription eye wear (glasses and contact lenses). Some vision plans also offer discounts on Lasik! When buying vision insurance, make sure you understand the costs and benefits associated with it.

How Do You Get Vision Insurance?

Ask about group vision insurance plans through your employer. If you’re eligible for a group plan, most vision insurance providers also offer policies that you can purchase individually.

Indemnity health insurance allows policyholders access to medical providers of their choice.

An HMO is a group of healthcare providers — doctors, laboratories, hospitals and the like — employed to provide health care to plan members at discounted rates.

PPO provides healthcare services to health plan members at a fixed rate below retail prices.

What Kinds of Vision Plans Are Out There?

As you shop,

  • First, you want to make sure the provider offers plans in your area. Enter your zip code on their site to find out.
  • Secondly, use the provider directory to make sure the plan covers what you want.
  • Thirdly, choose a plan that doesn’t have a waiting period.
  • Finally, many companies offer dental and vision insurance together – like Argus!

What the Plans Cover

Here at Argus, we offer the Freedom and Master Plan Vision Plans. The Freedom Vision Plan is available to Freedom Dental Plan members.

First, the plans are affordable. The Freedom starts at $2.74 per month.

Second, with a hassle-free vision plan, there’s no waiting periods, no claims and no deductibles.

Third, Freedom Vision Plan Members have access to over 1,000 Quality In-Network Providers, as well as discounts on Lasik and Sunwear.

On the other hand, the Master Plan Vision Rider is available to current Master Plan Dental members only. The rider offers basic eye care savings and additional savings on Contact Lens Ordering and Lasik Vision Correction.

With three different co-payment options available, and a 15% discount on most services, the Master Plan Vision Rider offers the flexibility you deserve.

The first co-payment option starts at $3.95 per month, the second at $3.35 per month, and the third starts at $2.74 per month.

In conclusion, if you have any questions regarding vision insurance, reach out to Argus team member TODAY. We’d be happy to help you choose the best plan.