A guide to eye care insurance

If your health plan doesn't include vision as part of the package, there are many vision plans available. You don't have to wait until you have trouble seeing, or experience cataracts so as to ensure that you are covered in event of an emergency or life-altering event. Here's how to safeguard the body part which many people take for granted: the eyes.

The benefits of individual vision insurance

In addition to imperative protection for your eyes, vision insurance has many benefits. Significant discounts for eye-wear protection, reduced costs for contact lenses or prescription sunglasses and routine eye exams or check-ups are among some of the perks and benefits included. Vision insurance will provide you with a list of network providers in your area, including both opthalmologists and optometrists, stores to purchase eyeware and even LASIK surgeons if needed. Just like with your physical and dental insurance providers, there are both HMO and PPO providers. PPO is usually preferred by most people, since the rates are significantly lower for treatments.
How can I obtain eye insurance? Many small businesses to large corporations offer comprehensive vision benefits either separately or all inclusive with employee benefit plans. If you are employed with a corporation or small business that offers medical and dental benefits, be sure to ask the Human Resources department or your benefits administrator for more information about vision insurance. If you are not as fortunate, you'll need to search for participating insurance companies as you would your health or dental. Some of the most popular vision insurance providers include Humana One, Vision Service Plan, Aetna and Spectera. Quotes can be determined online by visitng the homepages of these web pages.

About Too Faced

Physician prescribed medical eye insurance is not to be confused or mistaken with a popular product on the market by the name of Too Faced. Too Faced is a cosmetics company providing eye shadow primer, facial make-up and products such as eyelash brushes that have a similar name. With merchandise labeled Too Faced Shadow Insurance and Too Faced Eye Shadow, confusion can be easily brought about. Though a wonderful line of product, Too Faced is a topical, external product that has no healing effects or should be used in place of vision health insurance.