Group Vision Insurance Plans
Look at adding a plan with employee copays and discounts on eye exams and vision care.
Don’t overlook a group vision insurance plan when building out your benefits package. Employees enrolled in these plans receive copays and discounts on services like eye exams and vision care. Most plans also include coverage for eyewear, including prescription eyeglasses, contacts and sunglasses. Employees with impaired or poor eyesight are often happy to pay the monthly premiums, which are typically extremely low for vision plans, to reap the plan’s rewards. Find a plan that fits their budget and yours.
Unlike more complex health insurance plans, group eyecare plans are fairly straightforward. Many insurance providers offer tiered plans so you can select the most appropriate level of coverage for your business, depending on the number and needs of employees.
The team of agents at Nixon & Lindstrom works closely with top insurance companies like VSP, Delta Dental, MetLife and Mutual of Omaha to help small and midsize businesses throughout Springfield and Southwest Missouri purchase and roll out group vision insurance plans. Request a quote online today for more details on plan options and pricing.
Employer-sponsored group vision insurance policies offer plenty of versatility and can be customized to meet the enrolled group’s needs. Costs will vary depending on the frequency of eye exams and amount of the employee copay. Lenses and frames may also be covered on an annual basis or every other year. Some plans also include additional discounts for LASIK and other corrective eye surgeries and procedures.
When considering which benefits plan is better for your business, there are a handful of factors you should consider. Look at the average age of your employees—older adults have more eyecare needs—and the prevalence of pre-existing vision conditions. Workplace hazards also might influence your vision plan. If you’re a manufacturer or your employees work with heavy machinery, you may want to look at more extensive group coverage.
More than 11 million Americans over the age of 12 need vision correction, according to the U.S. Centers for Disease Control and Prevention. That means there’s a good chance some of your employees may have poor eyesight or impaired vision. Regular eye exams are the best way to detect diseases and deteriorating vision conditions, such as cataracts, glaucoma and age-related macular degeneration. Sadly, the CDC estimates only half of the 93 million Americans at high risk for vision loss have seen an eye doctor in the past year.
Adding a group vision insurance policy to your employee benefits package encourages your employees to get regular eye exams and take their vision health seriously. Employees with proper eyeglass prescriptions are able to better concentrate on their jobs and less likely to have their work interrupted by vision-related problems.
At Nixon & Lindstrom, our local insurance agents can help you find group vision coverage that’s ideal for your workforce. Our agents can help you bring the goals for your vision plan into focus.