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Is Vision Insurance Covered with a Group Health Insurance Plan?

June 14, 2021, by New City Insurance

closeup of woman eye with vision insuranceGood eyesight plays a critical role in a person’s overall health. Vision insurance gives policyholders the ability to maintain their eye health and resolve eye-related issues promptly and without serious financial consequences.

Although vision insurance can be purchased as a standalone policy, it is sometimes included in group health insurance plans.

This health benefit may cover some or all of a policyholder’s vision care, including routine services like eye exams and the purchase of new glasses.

However, not all group health insurance policies contain vision coverage. Therefore, it is important to carefully read the plan’s terms before buying a group health insurance policy.

What Services are Covered by Vision Insurance?

Vision insurance may encompass aspects of both traditional medical insurance and wellness plans. However, the details and amount of coverage offered are dependent on the policy itself.

Vision insurance covered under group health insurance plans is often limited to specific benefits and discounts provided in exchange for an annual fee and in some cases, a copay.

The most common vision benefits included in vision insurance policies include routine preventive eye care services like eye exams and prescription eyewear, including eyeglasses and contact lenses.

Some comprehensive vision plans expand coverage to specialty vision services, such as eyeglass lens coatings and enhancements like photochromic lenses, anti-reflective coatings and progressive lenses. Many eye care plans also offer policyholders steep discounts on elective vision correction surgery, such as PRK and LASIK.

Choosing a Vision Insurance Plan

When purchasing a group health insurance plan containing vision coverage, two main products are being bought for employees. First, employees will have access to specific eye care services to maintain healthy eyes and good eyesight.

Second, they are receiving access to a network of licensed eye care providers. These vision professionals have agreed to provide products and services at reduced prices based on the plan’s terms. Providers may include optometrists, general ophthalmologists and other eye care experts.

perfect blue eye macro in a sterile environment and perfect vision and vision insurance

It is important for businesses to carefully evaluate the vision discount or benefits plan before purchasing a policy.

It can be useful to speak with employees to determine what types of eye care services are desired by workers. Also, consider which policy offers the best coverage at a price point that fits the business’s budget.

Remember to get information about all aspects of vision coverage, such as how often an employee can undergo a routine eye exam or replace his or her glasses. Also, consider how much the insurance covers and what an employee’s out-of-pocket expense would be based on the type of service rendered.

Benefits of Offering Vision Insurance

Businesses considering purchasing group health insurance that includes vision coverage should consider the wide range of benefits that a vision plan can offer employers and employees alike.

Group eyesight insurance is an excellent way to attract new talent and retain existing employees. Health insurance is one of the most sought-after employee benefits when job candidates search for their next career.

Including group health insurance with vision benefits in a comprehensive employee benefits package can make it easier to hire and retain the best workers for the company.

Vision coverage can also help boost employee morale. When employees can keep their vision and overall health in good standing, they are often happier, creating a positive work environment. Good morale in the workplace can help the business thrive and be successful.

Employers can also enjoy certain perks when they purchase a group health insurance plan containing vision coverage. There are several tax incentives available to businesses and their employees when they participate in a group health insurance plan. Businesses may be able to deduct up to 100 percent of their premiums paid on qualifying group health insurance plans.

When group health insurance is included as part of an employee compensation plan, employers may also be able to reduce payroll taxes by providing compensation in the form of tax-free health care benefits.

Speak with an Experienced Insurance Professional

Eyesight insurance included in an employer-sponsored group health insurance plan is often more affordable than standalone vision policies. Employees can enjoy annual savings on common eye care services like exams and eyeglasses prescriptions.

vision insurance concept with a greyscale image

However, it is important to understand the limitations of each policy. Some vision plans will only cover eyeglasses and not contact lenses. Other policies may cover up to one eye exam a year while others only cover an exam every two years.

The cost of vision services without insurance can be substantial, making vision coverage a good investment for all businesses.

To learn more about vision insurance coverage available under group health insurance plans or to speak with an insurance professional about available vision insurance policies, contact the insurance experts at New City Insurance.

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Filed Under: Group Health Insurance,  Insurance

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Carol Zhang
Carol Zhang
04:29 06 Mar 22
As a rapidly expanding national media organization, the employee benefits strategy and administration that New City has provided us during our growth has been invaluable. They have been proactive about informing us of the different benefit strategies available to us as we grow as well as managing the additional compliance laws and reporting requirements at each stage of our growth.
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20:14 03 Mar 22
New City Insurance made navigating through all the health insurances super EASY. Their documents are highly informative, professional, and easy to work with. Thank you for making the process of choosing a health plan so simple. You guys are THE BEST!
Philippe Salas
Philippe Salas
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I never expected to have a good time talking to an insurance salesman, but let me tell you Brendan was quite the treat. He was very helpful explaining the options and has a wonderful sense of humor. I hope to speak with him every time I call.
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Super easy enrollment process. Fast and friendly customer service. If you are looking for an insurance company that is there for you every step of the way I highly recommend New City Insurance.
Rocky Salas
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So friendly, I hope to speak to him again in all my future insurance needs.
Rocky Salas
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So friendly and soft spoken. I hope to speak to him again in all my future insurance needs.
Jose Brena
Jose Brena
13:20 06 Jan 22
Eric Calciano has been extremely helpful in finding and selecting the right insurance coverage for our company. With many options out there Eric assisted us on getting a low cost provider saving more than 20% than from our competitors and providing excellent coverage for our employees.
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Signing up for insurance was quick and easy. Felicity Sundsboe
SFCC
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22:08 29 Nov 21
Jeff Stoltey and his team provide excellent customer service. Jeff has always provided my company SFCC with straightforward options. I went to a larger insurance company only to RUN BACK to Jeff at New City Insurance. I recommend them to anyone needing insurance without hesitation.
Kevin Luby
Kevin Luby
19:13 22 Oct 21
Quick, easy & informative. We were able to secure quality insurance for our small business on a tight deadline. Thanks for the help New City.
Theresa Ruybol
Theresa Ruybol
19:30 01 Jul 21
Eric was so great with us. He was very patient and kind as we are a newer smaller organization who is growing rapidly. With that said, we had made our inquiry, he had great rapid response and mostly had to wait on me. Any request that we made and/or questions we had, he was great answering and helping us understand. Then when we were ready for all documents and to move forward, Brendan helped with getting that together and the two of them worked their magic on New City's end to notify me of what was needed, assist me in that process and confirming that all was complete and approved for the coverage. I just want to say thank you all again so much, as insurance has always been confusing to me, and you all made that process go a lot smoother.Thank you
Andrea Ordendorff
Andrea Ordendorff
21:06 07 May 21
I've been working with both Clayton and Brendan for well over a year. As the purchase of our dental practice was delayed well over 14 months they both patiently supported me and continued to make themselves available. When we were officially ready to sign up they made the whole process seamless and super easy. This team is highly knowledgeable, professional, supportive, and efficient! I can't thank them enough for everything they've done.
T W
T W
22:32 30 Aug 20
I love New City Insurance. I never had a good experience dealing with insurance brokers until I started working with Brendan. He’s awesome! He is patient with me and takes the time to answer all my questions. I’m very grateful for all his help and hard work!
Mary Jane Deyette
Mary Jane Deyette
00:57 11 May 20
Jeff Stoltey is so awesome...even thru my company had only two employees, he took the time each year to research and find the best plan for us. The only reason I am leaving New City Insurance is because we no longer have any employees. Thank you Jeff
Alma Ortiz
Alma Ortiz
22:25 23 Feb 20
Brendan was awesome! I couldn't figure out how to pick my plan and he returned my call on a weekend to help me. Outstansing service!
jessica kavanagh
jessica kavanagh
19:53 13 Feb 20
Brendan was so helpful I definitely recommend him if you’re in need of good help and getting it done promptly. Thankyou so much again.
Tricia DeYoung
Tricia DeYoung
19:49 13 Feb 20
I was very thankful I inquired about this info. with Brendan. He was very helpful so I understand the benefits available much better now. Thank you Brendan.
B Bayer
B Bayer
17:43 24 Sep 19
NCI handled almost everything from start to finish. Clayton and Brendan made the plans easy to understand and walked me through the application process. They got me my ID numbers before my cards arrived so that I could keep an appointment I had already scheduled. My last broker wouldn't have done that. 5 stars!
Jessica Lehr
Jessica Lehr
03:36 07 Jun 19
Our staff was interested in a health plan, but we didn't know how beneficial a solid employee benefits package would be for our business to expand. We'd lose prospective employees because they had more options for their medical insurance which was sometimes more valuable than more pay. The New City team was amazing and gave us as many affordable options as possible so that everyone had their needs met.
Mike McClay
Mike McClay
19:36 03 May 19
My employer uses New City as their insurance broker, and I'm always amazed when I call in for assistance by how knowledgeable and attentive their staff is with my requests. Their online benefits platform makes selecting insurance plans pretty darn easy. I would highly recommend their services.
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