The best way to identify the ideal vision plan is to comparison shop. Begin by determining which features are most important to you. Next, do a side-by-side comparison to make your selection.
Choosing a vision plan generally comes down to the following basic considerations.
Vision Care Needs:
Focus your search on plans that offer coverage for those services most important to you. If you want a plan that offers basic vision care - exams, frames, contacts - you won't need to look for LASIK surgeons in your network.
Look for a plan that includes providers in-network who offer the services you want covered. Are there quality caregivers conveniently located to your employees? Check for customer reviews.
Cost of Plan:
For small businesses, this is frequently an overriding factor in making a selection, out of necessity. Once you've narrowed your search down to plans that fit your needs, find one that fits your budget.
Network providers agree to provide their services at discounted rates for plan members. Going outside that network means a higher cost for services. How much depends on the type of plan. In an HMO, members are essentially on their own outside of the network. PPO plans still cover you, but at greater cost when you go out-of-network. If you choose vision care as part of an indemnity insurance plan, your choices for providers are not restricted at all.
To get network provider names, as well as prices for services, contact an insurance broker, such as one at Zenefits. The best network is the one that delivers the high-quality care you're looking for at the best price.
- American Optometric Association: Eye Care provider Database - This link will assist you in finding doctors.
- All About Vision: Understanding Provider Networks and Vision Plans - Go here for a good tutorial on vision plans.
- eHealth: Free Online Quotes for Your Business - This link provides quotes on insurance for your business.