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Vision Care

Your eyes are your windows to the world. They should be treated with the utmost care.

If your employer offers a health care package that includes eye care insurance, you should sign up for it as soon as possible even if you have 20/20 vision. It is a good idea to take the coverage, especially if you have a spouse and/or children.

As part of a health care benefits package, vision insurance reduces the costs of eye exams, prescription eyewear that includes eyeglass lenses, and contact lenses, frames, and in some cases, pays for elective surgery that corrects eye diseases, injuries, and disorders. You will probably have to pay more if you choose to get designer eyewear.

Good vision care is essential to your health and well being. Your eyes are your windows to the world and you need them for just about everything you do in life. Without them, the world can be a very dark or blurry place so your eyes need to be treated with the utmost care.

Most employers know that health care insurance packages help keep employees fit for work so they are willing to provide medical benefits that include doctors visits, medicines, certain surgeries, along with hearing, dental, and vision care.

When you buy into a health care plan through your employers benefits package, be sure you understand the costs associated with the plan along with all stipulations concerning co-pays and other out of pocket expenses. In some cases, employer based vision insurance operate differently than major medical insurance and other health insurance plans.

Ask your vision specialist, Ophthalmologist, Optometrist and/or Optician to go over your benefits to make sure you understand what is covered and what is not so there won't be any unexpected surprises.

Your choice between health care options are generally between a HMO (Health Maintenance Organization) and a PPO (Preferred Provider Option). The main difference between the two is that:

(1) An HMO is a group of healthcare providers that allow you to see doctors that are contracted with specific insurance companies. This means that you may be able to keep your current doctor if he or she is on that particular plan.

(2) A PPO is usually a network of healthcare providers that may have a contract with the insurance company or you may be able to see a doctor that is not on their list. If so, you may get partially covered services or you may have to pay more out of pocket expenses. Even so, there are fewer restrictions with a PPO.

Most eye doctors and vision specialists are reputable practitioners who provide excellent services. The provide quality assurance within their offices and will only refer you to other qualified doctors if you have to be referred for specialized eye treatment.

A benefits package is very important to workers no matter how much money they make. When a company offers a benefits package to employees and their families, it is in the best interest of everyone involved, employees and the employers, to make sure that, not only are the best possible benefits are offered, but that the employee gets all the right information so he or she can make informed decisions.

Vision coverage is definitely a good investment. Your eyes are very important to everything you do so it is a wise idea to have vision checkups on a regular basis because even people with 20/20 vision may start developing problems with their eyes as they grow older.

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