Improve employee satisfaction with voluntary benefits.
Voluntary vision insurance can help employees pay for vision care expenses such as eye exams, prescription glasses and contact lenses.
Functioning like group vision coverage but with premiums paid primarily by employees, voluntary vision insurance is an excellent option for employers looking to expand their employee benefits selection.
Whether you’re an employer shopping for benefits or an employee wanting to better understand the insurance plans offered by your company, Higginbotham has you covered.
We’re accountable to our clients.
So if you’d like to expand your employee benefits selection without adding a lot of cost to your company, voluntary vision insurance is an excellent option because the premiums are primarily paid by employees.
The plan itself functions like group vision coverage and helps your employees pay for vision care expenses such as eye exams, prescription glasses and contact lenses.
Because our approach is more individual and less institutional, we take the time to understand your priorities and minimize complexities.
So whether you’re an employer shopping for benefits or an employee wanting to better understand the insurance plans offered by your company, our brokers are easy to understand and hard to forget because they go above and beyond to deliver year-round value.
To learn more about how our values-based approach creates value for you, click here.
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Vision benefits packages and discount plans can usually help cover purchases of:
This list isn’t exhaustive, and different providers may cover products and services not on this list. Some premium eyewear products and enhancements may cost extra or be excluded.
A vision insurance plan can help with the cost of eye exams, prescriptions and contact lenses.
Unlike other types of voluntary insurance that provide unlimited benefits beyond a pre-set out-of-pocket deductible, most vision plans are in one of two forms:
A vision benefits package works like standard health insurance by providing in-network preventative and basic care for small, affordable co-pays. Out-of-network reimbursement is often included, but members maximize their benefits by staying in-network.
This coverage may also offer discounts on elective corrective surgery such as LASIK and PRK.
Vision discount plans function more like a prescription discount card, providing members discount prices on eyewear and lenses. Though discount plans don’t typically offer free eye care services, they can provide considerable discounts on examinations, procedures and eyewear.
In most cases, these discounts can decrease a member’s total cost of care.
Because employee policyholders generally cover the premium cost for a voluntary vision plan, this benefit is usually affordable for employers.
In most cases, voluntary vision is also affordable for employees and can considerably drive vision care costs down. Since these plans are typically funded with pre-tax payroll deductions through a cafeteria plan, plan participants enjoy a small tax savings, too.
Higginbotham is committed to getting you the coverage you need at a cost that makes sense for your situation. We take the time to learn about your organization in order to provide you with a custom quote to fit your needs.
Connect with one of our employee benefits specialists to find out what Higginbotham’s voluntary vision insurance can do for you.