A regular health care plan will protect you against financial loss due to unexpected eye injury or disease. Vision insurance is a supplement to your health plan. Most vision benefit packages help cover of the cost of routine, preventive eye exams and also offer allowances toward the purchase of eyeglasses and contact lenses. Some policies also offer discounts on surgical procedures
such as LASIK and PRK.
Questions to ask when considering a Vision Insurance plan:
• Does it cover laser surgery?
• Can I buy a new pair of glasses every year?
• Can I choose any frames I want?
• Are my disposable lenses covered if I need a new pair every week?
• If I need special lenses like bifocal, trifocal, or progressive vision in my glasses, are
• My prescription is so strong that my lenses look like glass soda bottle bottoms. Will vision
insurance cover the cost of high index lenses?
• Can I use my own optometrist, or will I be limited to only those that participate in the
plan I choose?
• Is there a co-pay?
• Can my kids and my spouse be included on my plan?
• Does it cover an annual eye exam?
• Does a vision plan overlap with my health plan?
• Is there a waiting period before my benefits go into effect?