Vision insurance is a very valued benefit to most employees on California small group health plans. It's interesting since the big risks in health care are covered by the health plan but it's vision and dental coverage that garner an inordinate amount of attention. Let's face it...these are benefits that employees are more likely to used on a regular basis where medical is seen as possible but improbable.
Employees see a real functional value to vision since they can plan on using the benefits even in great health. Employees that need corrective vision benefits (such as glasses or contact lenses) immediately perceive a benefit but these days, the preventative exam can detect signs of more serious health issues.
The best reason for Vision is that the
benefit is relatively inexpensive to the
California employer relative to the perceived
benefit by the employee. The individual family
market does not have stand alone vision benefits
so Vision is a benefit that employers can offer
to attract and retain valued employees.
There are three main benefit categories to Vision which makes it pretty easy to compare.
This is a key benefit that all employees can
use especially in light of today's heavy
reliance on computer screens. Most California
group vision plans offer this exam through their
network for a copay. Not only does the exam look
for corrective needs but it can also find early
signs of other more serious health issues. Every
employee can use this benefit.
The Vision plans then define separate benefits for the two common corrective benefits.
Glasses or corrective lenses are a core benefit for vision plans. The level of benefit will dictate how much you will be reimbursed and what type of lenses are eligible. As for the amount, the vision plans will typically dictate up to a certain amount (let's say $150) for frames of your choice during a fixed period of time (Let's say 18 months). This means you can get one set of glasses up to $150 every 18 months on this plan. Since glasses are more expensive than contacts, they usually have a a separate time frame (longer). 24 or 12 months are the standards for most vision plans.
With contact lenses, amount of reimbursement might apply to the exam (contact evaluation and fitting) and the actual contacts themselves. This is handled separately from the main vision exam mentioned above (annual eye check up).
Vision Networks for Group insurance
California group vision plans have networks just like medical or dental plans. In order to get the best benefits and keep your out of pocket expenses to a minimum, you will want to access Vision benefits within these networks. The networks can be pretty varied across the different carriers. VSP's network is probably the biggest on the market.
Many large Vision "retailers" such as Lenscrafters or Pearl participate in the main networks.
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
YOU MAY STILL BE
ABLE TO ENROLL
In just 15 minutes:
With Existing Account
We can help you:
If Your Income
Is In This Range
Current Years Estimate; All those that file together on one 1040:
|Single Person:||$16k - $47k|
|2 People||$22k - $64k|
|3 People||$27k - $80k|
|4 People||$33k - $97k|
"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"
"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."
"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."
"I thank you very much for the time that you have invested in handling everything
"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."
"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"
"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"
"You are my new best friend. A HUGE thank you again.
20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
Call us...you will be Pleasantly Surprised. 800-320-6269
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.