Vision Insurance in Delray Beach, FL & Port St. Lucie, FL

Your optical health is a critical element of your daily quality of life. Healthy eyes and dependable vision are essential for many routine tasks, and even slight issues can inconvenience your life and increase the risk of various accidents. Furthermore, many optical conditions can eventually spread or adversely impact other parts of your body. With all these things in mind, understanding and securing appropriate vision insurance is critical.

How Does Vision Insurance Work?

You should first understand that health insurance is typically separate from vision insurance. Like dental insurance, vision insurance usually requires the purchase of a separate policy in order to retain coverage for optical health products and services.

What Does My Policy Cover?

Details, capabilities and limitations of vision insurance can vary significantly depending on your coverage selections and carrier. In many cases, you may be able to access at least some financial aid for the following:

• Annual eye exams
• Lenses
• Frames
• Contacts
• Elective procedures (e.g., LASIK surgery)

How Much Does Coverage Cost?

Your out-of-pocket costs for vision insurance will typically be based on the following aspects of your policy:

• Premiums—These are the amounts you’ll pay regularly (e.g., monthly) to maintain coverage.
• Copays—These are flat fees you pay out of pocket for specific services, such as checkups and new glasses.
• Coinsurance—These are percentages you pay for specific procedures.
• Out-of-pocket maximums—These clauses limit the amount you can be made to pay for covered services in a single plan year.

Your premiums are often based on several factors, including your age, the number of people listed on your policy and where you live.

Where Can I Get Insurance?

Vision insurance is often available as an employee benefit through your employer. While Health Insurance Marketplace plans typically include vision coverage for children, adults may often need to work with a private insurer when shopping for their own individual policy. Additionally, government-sponsored programs, such as certain Medicare plans, may offer vision insurance.

We’re Here to Help

To learn more about affordable vision insurance options near you, contact Palm Tree Insurance Agency today.