Vision

Vision

Vision Care

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Routine eye exams can uncover serious health concerns, many of which are costly to manage and detrimental to one’s health. But many employees are reluctant to undergo routine vision checkups simply due to the cost. To encourage your employees to have regular eye exams, consider offering vision insurance as part of your benefits package.

 

Vision Care and Your Business

Vision care is not only essential to the health of your employees, it is also vital to your business. Employees at any age can experience vision-related health concerns that may impact your health plan budget and infringe on their productivity. Workers of all ages may experience vision stress, which can lead to consistent headaches, the inability to focus, blurred vision and a loss of concentration, according to the American Optometric Association. However, by offering vision insurance benefits to employees and encouraging them to take advantage of the benefit and maintain consistent care, they can reduce their risks of developing the conditions listed above.

You, as the employer, may choose to provide this benefit to your employees. However, employees typically pay for the benefit, at least in part, through a payroll deduction. Plan design options generally include the following:

  • Annual or biannual eye exams (including dilation) covered in full.
  • Eyeglass frames and lenses (glass or plastic; single vision; lined bifocal and lined trifocal). Amount covered depends on the plan. Additional pairs along with scratch-resistant coating are also design options.
  • Contact lens services. Amount covered and whether lenses are included depends on the plan.
  • Plan design value-added benefits may include a primary eye care program, laser vision care program and a low vision program.
  • Laser vision care programs generally include coverage levels for a complimentary screening, pre-operative exam, surgery, post-operative exams and enhancement follow-up surgery.

Other design options include computer vision care and safety plans that provide members with prescription eye wear that is in compliance with ANSI and OSHA safety guidelines. Common exclusions include replacement of lenses, frames or contacts, medical or surgical treatment, orthotics, vision training, experimental vision services, treatments and materials.

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