Affordable Vision and Dental Care Plans
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In the 21st Century, Vision Insurance is considered one of the luxury health benefits. With companies looking to save on their employee health insurance costs, vision and dental benefits is often eliminated first.
Having vision insurance or some type of vision benefits program for your family is important, especially when one or more family members are visually impaired. Eyeglasses and contact lenses can be expensive and reduce costs associated with vision care.
While most health insurance companies prefer to sell health insurance to employee groups, there are insurance companies that sell vision insurance on the internet to single persons and families. In preparation for writing this article I found a vision insurance company selling plans online and reviewed the associated costs. I was rather shocked at what I found out.
For a family of three in Washington State, the vision insurance plan would cost $444.95 annually. For a family of two the price would be $324.95 and for a single person the cost is $169.95. There were no monthly payment options. Obviously in the Insurance Industry companies must collect a lump sum before they pay out on any benefits.
So what benefits would someone get if they enrolled on that companies vision insurance plan? My comparison of vision insurance and vision discount programs should help to evaluate the merits of each. Here is what I found out.
| Comparison | (VSP) Vision Insurance Company | AmeriPlan Vision Benefits |
| Plan Costs | $444.95 annually – Family of 3 | $179.40 Entire Household |
| Payment Options | Annual Payment | Monthly ($14.95), Quarterly or Annually |
| Exams | One per year,per member. $15 Co-Pay | NO LIMITS on EXAMS -10-50% Discount – Varies per provider. |
| Prescription Lenses | One pair per year, per member. $25 Co-Pay | NO LIMIT ON LENSES – 20-60% Discount on All Lenses |
| Frames | One pair per year, per member. $120 allowance | NO LIMIT ON FRAMES – 20-60% Discount on All Frames |
| Contact Lenses | $120 allowance for Contacts and Contact Lens Exam | 10-40% Discount on Contact Lenses(mailorder) 10-20% retail store. |
| Additional Benefits? | Not Included at that price. | Three additional programs included. |
| Limitations | Services and Optical Products limited. | No Limits on Visits or Services. |
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Tags: Vision Insurance Coverage, Vision Insurance Plans, Vision Service Program
