Buying Vision Service Plans From VSP Providers
Vision service plans are a proficient way to counter the expensive price for eye exams, glasses contact lenses, and even glaucoma screening. VSP is typically sold separately or as a co-plan to a health insurance policy. Health insurance will cover the costs for eye injuries or medical problems with your eyes while a vision service plan is meant to cover the “wellness” costs. Maintaining, and improving your vision is you VSP Providers purpose.
Employers will cover vision service plans for most people, and they will pay a part of the cost often times leaving you to pay whats left. Buying your VSP through your employer is probably going to be the least expensive route, but be aware that some employers do not offer a vision service plan as a benefit. IF this is the case then I suggest you purchase a vision service plans on your own as an individual.
Many People do not know this but there are actually two kinds of vision service plans. The two basic types are a discount plan and a benefits package. The discount plan typically has a deductible, giving you the option to pay a less, or reduced amount for vision care in return for a yearly fee.
The vision benefits package includes coverage for eye exams laser eye surgery, contact lenses, and glasses. These packages will usually require a deductible, which is the total you must pay before your plan will begin to make payments A copayment will sometimes be required. A copayment is a small amount you spend every occasion you need to see your eye doctor or any other eye professional.
Many VSP Providers require that you choose an eye doctor or optician from a pre-established network of eye care professionals. Using doctors that are not in the network will require you to pay more for the services.
With both of the options you should be able to choose whichever glasses you prefer. Your plan might cover the entire cost of the frames. For more expensive frames your VSP Providers will cover part of the price and the balance will be up to you.
A benefits package will usually have prices that are around $10 for a monthly premium, copayments of $10 for each visit, and a $40 deductible every year. VSP providers will cover the majority of the price for glasses and contact leneses discount plans feature the same monthly premium and deductible. Glasses, contacts, and doctors visits will be available at a reduced price.
Shop around and view all your options online if you currently don’t have VSP providers through your employer. If you currently have an eye doctor that you like, ask them which plans they accept. Make sure the VSP Providers offer the same benefits for their palns when comparing prices. You will be surprised at what plans cover. Some will only cover eye examinations while other providers cover much more. Make sure your comparison are accurate. Two VSP Providers might have similar monthly premiums but with different co-payments or deductibles.