Vision

Looking to “beef” up your employee benefit programs? A vision plan will help you do just that. A vision care plan can help protect not just your vision, but your overall health. Regular eye exams can help you see clearly. They may also help detect serious conditions early.

What is Vision Insurance?

Vision insurance is a type of coverage that entitles you to certain eye care benefits.   Typical benefits include

  • routine eye exams
  • discounts for the purchase of eyeglasses and contact lenses
  • discounts on refractive surgery (such as LASIK and PRK)

There are three main types of vision insurance plans:

Indemnity Health Insurance is a traditional insurance plan which allows policyholders to choose which medical providers they access.

Health Maintenance Organization (HMO) is a network of healthcare providers which provide policyholders with discounted rates.  However, policyholders’ access to care is restricted to the providers within the HMO.

Preferred Provider Organization (PPO) is a group of providers much like an HMO, except that policyholders have the option of paying more to receive care from medical practitioners outside of the PPO’s network.

Vision plans can be offering multiple ways:

  1. Employer paid
  2. Employer and employee paid (co-sharing of premiums)
  3. Employee paid – voluntary plan

FFP Benefits represents both the Employer paid and the Employee Paid vision marketplace. We work with several carriers depending on your organizations needs and budget.

 

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