We work with many of the top vision insurance carriers in Texas such as United Healthcare, Humana and VSP.
Vision insurance policies in Texas will typically come in two forms: as an optional rider on your health insurance policy or through a separate policy normally referred to as an ancillary plan.
The health insurance policies that offer a vision rider will generally require a co pay for each service (or visit to a vision care provider) and most of these plans will place annual limits on the amount it will cover on each service provided. If you require eyeglasses and/or contact lenses, your TX vision insurance will typically only cover up to a certain dollar amount for the frames and/or lenses. This usually leaves you to pay the difference in an out of pocket expense. Most of these plans will offer a discount on LASIK eye surgery as long as the provider you choose is part of the network.
An ancillary vision plan is defined as one that will normally offer a discount on all covered vision expenses as long as you use a provider that is in the network. These ancillary vision plans are less expensive than an actual vision insurance policy and if your needs are limited, this can be a better choice. For example, if you only need an exam and a new set of glasses, you’ll normally be better off with one of these.
Please note that vision insurance or a vision discount plan will not offer benefits for any major eye disease or injury. These are typically covered under your health insurance policy since they are considered medical in nature and can be expenses to your medical insurance policy. Some affected conditions that would fall under your medical insurance would be glaucoma, cataracts and any related surgeries.
Pediatric Vision insurance with regard to the ACA
Under the Patient Protection & Affordable Care Act, also known as “ObamaCare”, it is now mandatory that every qualified health policy is now required to include a pediatric vision provision. Under the law, the vision benefit must include an annual eye exam for all covered insureds under the age of 19 (adults are not included in this mandate). The plan must also include some material benefits such as eyeglasses. If you are in need of a separate vision plan that includes adult coverage for an annual exam including benefits for frames, lenses, discounts on LASIK surgical procedures, then you’ll want to contact us for a separate vision plan through one of our many Texas vision insurance carriers.