When selecting a vision insurance plan, it’s important to consider various factors to ensure that the plan meets your specific needs. Coverage options may vary from state to state. In Ohio, we have a wide variety of vision plans to choose from many providers. However, there are some providers that only provide group coverage. It is important to work with a broker like AUI to help you find the right vision plan for your small business. We can also help individuals find vision coverage. No matter what situation you are in. AUI is here to help.
What to Look for in a Vision Plan:
The key to finding great vision coverage is to really comb through the different options and compare them to your needs. Here are some of the things small businesses and individuals should consider when selecting a vision plan.
- Out-of-Pocket Costs: Understand your financial responsibilities, including copayments, deductibles, and coinsurance. Consider the overall cost of the plan, including monthly premiums, to determine its affordability.
- Benefit Periods: Be aware of benefit periods or waiting periods for certain services. Some plans may have waiting periods before you can access certain benefits, especially for more expensive items like eyeglass frames.
- Exclusions and Limitations: Review the plan’s exclusions and limitations. Some plans may not cover certain pre-existing conditions or may have restrictions on specific treatments or products.
- Discounts and Additional Benefits: Some plans offer discounts on additional services or products, such as laser eye surgery or upgrades to premium lens options. Consider these extras when evaluating the overall value of the plan.
- Flexibility: Assess the flexibility of the plan in terms of choosing providers and obtaining services. A plan that allows you to visit a broad network of eye care professionals can be more convenient.
- Coverage for Dependents: If you have dependents, check whether the plan covers their vision needs. Some plans may offer family coverage, while others may require separate policies for each family member.
Make Sure You Review Any Policy Renewal Changes:
Every year, options to different plans can change. It is important to understand how the plan handles policy renewals and any changes in coverage. Be aware of any updates to the plan’s terms and conditions. In addition, sometimes providers may change coverage preferences. Make sure that your plan has the providers that you want for the care you have come to expect.
Many employers offer vision insurance as part of their employee benefits package. These plans often cover regular eye exams, prescription eyeglasses, and contact lenses. If you’re employed, check with your HR department to see if vision coverage is included. However, many employers do not offer a vision option. That doesn’t mean that you can’t come to AUI to find a plan that will work for you and your family.
If you are a small business and you do not have the bandwidth to manage employee benefits, we see you. Remember, our sister company ClarityHR can be the extension of your team. ClarityHR is designed for small business. There is no better partnership than working with a team that can handle all aspects of benefits for your small business. You do not have to do it alone.
Individual Vision Insurance:
You can also purchase individual vision insurance plans. These plans may be available through insurance providers and cover services such as eye exams, glasses, and contact lenses. Companies like VSP (Vision Service Plan) and EyeMed are examples of vision insurance providers.
Medicare and Medicaid:
Ohio Medicaid covers vision services for individuals under 21 and over 60 years old once every 12 months. For individuals between 21 and 59 years old, vision services are covered once every 24 months. Contact lenses are covered with prior authorization. If you qualify for Medicare or Medicaid, some vision services may be covered. However, coverage can vary, and it’s essential to check the specific details of your plan.
Medicare does cover the following vision care services:
- Visual field testing: When medically necessary
- Annual glaucoma screenings: For high-risk patients
- Surgical procedures: To help repair the function of the eye due to chronic eye conditions
- Corrective lenses: If you have cataract surgery that implants an intraocular lens
Medicare also covers vision coverage through individual insurance or Medicare Advantage plans (Part C). You can use Medicare’s Plan Finder to check out plans with vision coverage in your area.
Affordable Care Act (ACA) Marketplace:
Some vision coverage may be available through the ACA Marketplace. Health insurance plans obtained through the marketplace may offer vision benefits as well.
Discount Vision Plans:
Some companies offer discount vision plans rather than traditional insurance. These plans provide discounts on various vision care services and products but may not cover all expenses. Before enrolling in a discount vision plan, it’s crucial to carefully review the terms, conditions, and the list of participating providers to ensure that the plan meets your specific needs and preferences. Additionally, consider comparing the total costs, including membership fees and out-of-pocket expenses, with other vision care options.
“Discount plans cover a percentage of your costs for exams and corrective eyewear. A discount plan isn’t insurance and won’t help pay for care, but a vision discount plan may cost less than vision insurance.” – FORBES
Other Considerations When Choosing a Vision Plan:
Check reviews. Make sure look for reviews and ratings of the insurance provider and its vision plans. This can provide insights into customer satisfaction, the ease of claims processing, and the overall quality of service.
How Can AUI Help With Your Vision Plan Options:
When exploring vision insurance options in Ohio, consider factors such as monthly premiums, coverage limits, network providers, and any out-of-pocket costs. In addition, don’t feel like you must go it alone on the marketplace for finding the perfect vision coverage. AUI has a team of knowledgeable brokers that can answer any questions that you have regarding options for vision coverage in Ohio. We are here to simplify the complicated. Most importantly, we are here for you throughout the year to help with any questions that might arise. Contact us to get started today.