How to Get Vision Insurance

••• eye glasses image by Alexandr Shebanov from Fotolia.com

Vision insurance is a type of health insurance policy that entitles you to eye care benefits and discounts. A vision insurance policy normally covers routine eye exams and provides discounts on eyeglass frames and lenses and contact lenses--and also offers reduced rates on certain eye procedures, such as LASIK surgery. Using an appropriate vision insurance plan can save you money on your eye care needs. If you are considering purchasing vision insurance, there are a variety of plans from which to choose. Learn how to get vision insurance today.

Obtain vision insurance through your employer. Many employers offer optional vision insurance plans for their employees. Since employers normally receive special group rates from insurance providers, employees can purchase vision insurance at a low and affordable rate.

Speak with your doctor about vision insurance plans. If your employer does not offer vision insurance, then perhaps your optometrist or ophthalmologist can recommend a few insurance providers. Be sure to ask your doctor which specific vision plans his office accepts.

Search for vision insurance on the Internet. Fortunately, you can search for and apply for vision insurance from the comfort of your home. You can learn more about vision insurance plans by visiting sites such as Spectera.com, HumanaVisionCare.com, Aflac.com and VSP.com.

Review the various insurance plans. There are several things that you should pay attention to as you compare the different vision insurance plans, such as the premium, co-pay and deductible requirements, overall benefits, discounts and the choice of eye care providers in the local network.

Apply for the insurance plan of your choice. It is important to choose a vision insurance plan that best suits your financial budget and eye care needs. In most instances, you can apply for vision insurance online on the provider’s website. Be prepared to provide your full legal name, Social Security number, address, date of birth, telephone number, employment details and other relevant information on the application.

Receive a response from the insurance provider. Give the vision insurance provider at least two weeks to process your application. The provider will let you know whether your application was approved. If your application was approved, you should receive your insurance card and welcome kit in the mail in a short period of time.

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About the Author

Gwynita Leggington has written and published articles since 2006. Her areas of expertise include health and wellness, education, careers, personal finance and dating. Leggington's work appears on eHow.com, Answerbag.com and Essortment.com. She holds a Bachelor of Arts in communications and a Master of Arts in counseling from Prairie View A&M University.

Photo Credits

  • eye glasses image by Alexandr Shebanov from Fotolia.com