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What’s in Your Vision Insurance Plan

There are more options for vision insurance today than ever before. Whether your vision insurance plan is one you choose as an additional benefit in your employer health benefits package, or vision coverage you seek on your own through an insurance company or vision benefits provider, there are basics you should understand to make the most of vision insurance.

Understanding Vision Plans and Coverage

The options available to you in vision plans can be a little daunting. If you’ve chosen your vision insurance through your employer, your HR department and the insurance company literature—and websites—are a good place to start to understand what your vision insurance plan does and does not cover.
In general, there are two types of vision insurance plans:

Vision Benefits Package

Often purchased as an addition to traditional employer-provided healthcare, this type of vision insurance includes a fixed set of benefits related to eye health and maintenance, such as routine eye exams and testing, discounts for corrective eyewear, even benefits that reduce the cost of eye surgery. Vision insurance like this typically includes a network of participating eyecare professionals who have agreed to honor the plan particulars.

This type of vision insurance plan has evolved over the years to include more personalized choice for the consumer in the form of defined contribution vision coverage—where you, the consumer, choose the particular services and discount offerings based on what you expect your vision expenses to be.

Many of these vision plans involve using pre-tax dollars deducted automatically by your employer in the form of Flexible Spending Accounts, ‘Cafeteria’ Plans, Health Savings Accounts or Health Reimbursement Accounts. Each has particular tax advantages and drawbacks you should discuss in full with your vision plan administrator or provider, and if necessary, a tax professional.

Vision Discount Plans

While similar to traditional vision benefits, this type of vision insurance is generally less flexible than a vision benefits package because it offers flat discounts across the board for a wide menu of vision-related services, including specified discounts on eye exams, eyeglasses and contact lenses, even many surgical procedures.

You agree to pay the difference in cost in full—however these types of plans generally offer lower premiums than traditional vision benefit plans.
Vision insurance like this typically includes a “network” of participating eyecare professionals who have agreed to honor the stated discounts within the vision plan, so long as you agree to pay the difference.

Vision Insurance Planning

It may sound confusing at first, but you can plan to use your vision insurance to your maximum benefit by fully understanding what is specifically covered or not covered under your vision insurance plan, and by also discussing options with your eyecare professional to see how best to apply your particular vision coverage to your eyecare expenses.

This planning includes fully understanding any traditional health insurance coverage you may have. Unexpected eye injury, or the onset of certain eye diseases and their related treatments is often covered by your traditional health insurance rather than your specific vision insurance plan.

The point here is—it’s your vision insurance, your vision coverage—understanding your particular vision insurance plan is critical to maximizing those benefits.

Use it or lose it. Vision insurance benefits do expire.

Depending upon the type of vision insurance plan you’ve enrolled in, your vision insurance benefits may expire annually. This means if you don’t “use it” you “lose it” until the next year. Since you are contributing your hard-earned money toward your vision coverage, there’s really no excuse to skip your annual eye exam or see your optometrist should you experience any changes in your vision.

What’s more, many of the defined contribution vision insurance plans (using Flexible Spending Accounts or Health Savings Accounts, in particular) don’t allow for your deposited money to roll over into the next year. If you don’t spend what you’ve allocated, you may be at risk of losing that money entirely.

Think beyond the traditional examination to a second pair of eyeglasses, prescription sunglasses, photochromic lenses, or eyewear that’s specifically designed to fit your lifestyle. All might be within ready reach if you maximize your vision insurance coverage.

Special thanks to the National Eye Institute, National Institutes of Health, for source material that aided in the creation of this website.

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3501 Custer Parkway, Suite 105
Richardson, TX 75080

Office Details

3501 Custer Parkway, Suite 105
Richardson, TX 75080
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Our Reviews

Such a nice store with a good collection of specs. Customer service is really good. Specially Minoska is great. She gives you ample and patiently shows different frames/glasses and explains every option in detail. They also don't trick you to purchase unnecessary add-ons and stuff. However, this store is not for anyone looking for glasses as cheap as Walmart. You get what you pay for. P.S. I have not used their eye care services, perhaps next time.
1 day ago
5
- Zeeshan N.
eye doctor's office
The staff and doctor are very nice and genuinely care about your well being and make you feel very comfortable. By far the best eye care I have received so far. Doctor explains everything in detail about your eyes. I highly recommend this place to anyone!
5 days ago
5
- Rakshya D.
eye doctor's office
Absolutely love this place! Dr. Carter and the staff are amazing and so friendly :) They provide great service. I cannot say enough good things about TSO at Custer Creek.
1 week ago
5
- Rosemarie M.
eye doctor's office
Love, love, LOVE Dr. Carter! The doctor and staff are all amazing and always put their patients first. Always super helpful with your vision needs! Definitely would recommend!
3 weeks ago
5
- Ianelli G.
eye doctor's office
Great service!
4 weeks ago
5
- Christian A.
eye doctor's office
Great place to get an eye exam and glasses. The prices are fair, the service is great and everyone takes pride in their service. I would recommend anyone get their glasses from here. Myself as well as my family have all been very happy with our experience.
1 month ago
5
- Jessica G.
eye doctor's office
This is my first visit to this office due to my only pair of glasses breaking, and my mind was blown. I have never encountered such a nice staff there first goal was to make me feel comfortable.. which they did. They made the whole process go smoothly from paperwork, to payment, to appointment setup just all of it. Dr. Carter is extremely patient, and more importantly knowledgeable at her craft, but what made the difference for me is she has a great attitude, and is very personable. Willing to take the extra steps, but could say that about everyone that works there. This is a must go if you are in the need for glasses or contacts or if you just want to visit I'm sure they wouldn't mind lol. Highly recommend to everyone.
1 month ago
5
- Nicholas R.
eye doctor's office

Our Insurance

Medical Plans:

  • Aetna
  • Blue Cross Blue Shield
  • Cigna
  • Humana
  • Medicare
  • Tricare
  • United Health Care

Vision Insurance:
  • Alwayscare
  • Advantica
  • Avesis
  • Coast To Coast Vision
  • Davis Vision
  • Eye Med
  • National Vision Administration (NVA)
  • Outlook Benefits Solution
  • Spectera
  • Superior Vision
  • VSP

If you do not see your plan listed here, please give us a call and we would be happy to assist you. Our eye care staff is also always available to answer any questions regarding your benefits.

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