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Vision Insurance

What is vision insurance and how much does it cost?

Vision insurance typically describes all health plans that are made to lower your out-of-pocket expenses for routine, preventive eye care services (i.e. eye exams) and prescription eyeglasses and contact lenses. Some vision insurance plans also offer substantial discounts on elective procedures, such as LASIK laser eye surgery and PRK.

Our staff at Eye Trends is knowledgeable about how vision insurance works and we can help you make the most of your benefits. Visit our Conroe, Texas, anytime for more information.

Vision insurance vs. Medical insurance

In general, vision insurance plans are designed as discount plans or packages that give very specific benefits for an annual premium. In contrast, most major medical insurance policies offer unlimited benefits after co-pays and deductibles are met.

In some respects, vision insurance is like a gift card that can be used to cover a large part of the cost of routine eye exams and eyewear. Or you can use it to purchase premium designer eyeglasses or specialty products, such as progressive lenses, photochromic lenses, and anti-reflective coating at a more affordable price. When it comes to how to apply vision insurance, the choice is yours.

Every vision insurance plan is different – read the fine print

It’s smart to look through and fully understand the costs and benefits of your vision insurance plan. If you receive coverage through a plan from your employment, take the time to find out what’s being offered.

When you visit our Conroe, Texas, optical store, we invite you to consult with our staff about what your vision insurance covers before your eye exam and eyeglasses purchase, so you don’t experience any surprises afterwards.

Where to get vision insurance

Vision insurance is commonly offered by companies and associations, or by government programs such as Medicaid and Medicare. However, if you are self-employed, most providers of vision insurance also offer policies that you can buy independently.

Vision insurance is also offered frequently as a value-added benefit linked to HMOs, PPOs, and indemnity health insurance (traditional insurance that enables policyholders to choose their own medical providers), that contracted with vision care networks to offer basic eye care services.

Basic benefits of vision insurance

If you have a vision benefits package, you will usually receive free eye care services, prescription eyeglasses, and contact lenses within fixed costs – in exchange for an annual membership fee or premium. Generally, there is also a small co-pay (a fixed price) every time you access a vision service. Sometimes, a vision benefits package may also include a deductible, which is a fixed price you’ll need to pay your eye care provider out-of-pocket before your insurance benefits kick in.

If you have a discount vision plan, you will receive eye care, prescription eyeglasses, and contact lenses at a reduced rate – after you pay a yearly premium or membership fee.

Benefits include:

  • Access to a network of eye care providers, including ophthalmologists, optometrists, eyewear stores, LASIK surgeons, and optical laboratories
  • Annual eye exams and routine eye care services
  • Eyeglasses frames
  • Eyeglasses lenses
  • Contact lenses
  • Discounted rates for refractive laser eye surgery, such as LASIK and PRK

Cost of vision insurance

When selecting your vision insurance provider, our Conroe, Texas, eye care team recommends shopping around, when possible, to make sure you get the best value for the benefits you want.

Group vision insurance is generally paid for through payroll deductions or flexible spending accounts (FSAs). Your FSA allows you to use pre-tax dollars to buy selected health benefits, such as vision insurance. If you’re self-employed and buying an individual vision insurance plan, you’ll be billed annually or monthly.

The price of vision insurance varies based on what state you live in, as well as on how the plan is designed. Vision Service Plan (VSP) is the largest vision plan provider in the US, and their costs are approximately as follows:

  • Annual premium for VSP plan (employees only) – $90
  • Eye exam – $10 co-pay
  • Eyeglasses frames with single vision lenses – $25 co-pay
  • Polycarbonate lenses – $31
  • Photochromic lenses – $70
  • Anti-reflective coating – $69

Speak to our Conroe, Texas, eye care staff

If you have any questions about your vision insurance plan – exactly what it gives you and how much you need to pay – please stop by Eye Trends to consult with our knowledgeable team!

Why buy a 2nd pair of eyeglasses?

Our optical store has a fantastic collection of frames for all your visual needs!

A second pair of eyeglasses is not a luxury, it’s a true to life accessory! Besides the problem that you always forget where you put them, there’s a variety of reasons that make a strong case for buying extra frames. No matter why you need more glasses, check out our stylish optical collection at Eye Trends.

To help you select the perfect 2nd pair of eyeglasses, knowing your personal reasons for buying them is key to buying the right frames and lenses for your needs. Look through this list to identify your needs:

Reading glasses and computer glasses

If you’re over 40, you’re probably used to holding fine print far from your face to see it. Reading glasses are an easier, more efficient solution than constantly stretching your arm. And if you spend hours per day at the computer, we recommend buying a pair of customized computer glasses. They’ll protect your eyes from blue light, and relax your eye muscles with an enhanced view of the screen.

Match your look

Do you wear the same clothes every day? So why wear the same pair of frames every day? The bold, serious look you want to broadcast at work may not be the same fun and flirty look you want to show off after hours. If you love splashy colored frames, consider buying the same glasses in two colors to avoid clashing with your clothes. Pick a 2nd pair of eyeglasses to match your changing optic mood and wardrobe.

Stay safe with a second pair of glasses

If you need prescription glasses to see and they break, you don’t want to be left wandering around in a blurry world. The strain of focusing will lead to a migraine and eye fatigue, and you risk injury from bumping into unseen objects and/or tripping. A spare second pair of eyeglasses will ensure that you always have sharp, safe vision.

Sun protection and polarized lenses

Indoor glasses fulfill indoor tasks, but when you go outdoors – you need outdoor glasses. Sunglasses will protect your eyes from dangerous UV rays, as well as enhance your vision instead of being blinded by bright light. Make sunglasses your 2nd pair and keep them handy at all times. If you spend a lot of time behind the wheel of your car or boat, it’s wise to invest in a pair of polarized sunglasses for ultimate protection against glare. Polarized sunglasses block reflections from the sun that bounce off your windshield or the water.

See? Even if you don’t forget where you put your eyeglasses all the time, there are plenty of reasons to buy a second pair of glasses from our optical collection at Eye Trends.

At Eye Trends, we put your family’s needs first. Talk to us about how we can help you maintain healthy vision. Call us today: 936-206-7366 or book an appointment online to see one of our Conroe eye doctors.

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