At some point in everyone’s life, there will be a need for corrective lenses of some kind, be it glasses or contact lenses. As such, it’s a good idea to research and purchase vision plan insurance. Of course, if this is provided by the company you work for, all the better. Vision plan insurance will generally cover eye care needs, leaving the consumer to pay out of pocket for the cost of cosmetic enhancements.

Going online to learn about the nitty-gritty of a vision service plan’s insurance policy and what they stereotypically provide is an easy task for anyone, no matter how “computer-challenged” they consider themselves. As with any type of insurance, the cost of the plan depends on the type of coverage sought. The more you cover, the more you pay.

Most plans provide one eye exam per year, as well as eyeglass lenses and frames or one pair of contact lenses. Some plans can be configured with more coverage and a series of copays. Eyeglass procurement coverage generally covers the following:

1. Prescription. The eye exam and the resulting prescription are performed.

2. Frame selection. Help is provided in choosing frames.

3. Precision of the lenses. Once the lenses have been made and fitted to the glasses, make sure they have been made to spec.

4. Assembly. At the time of collection, make sure that the glasses are adjusted according to the facial structure of the individual, this ensures adequate vision.

5. Settings. This takes care of any subsequent adjustment needs due to general wear and tear.

Getting contact lenses usually involves the eye exam, prescription, and then trying on and trying out the new pair of contacts. Often the ophthalmologist suggests trying a new set of contact lenses for a week or two before ordering a new set. Most vision insurance policies cover the visually necessary aspects of contact lenses but, as mentioned above, leave the cost of cosmetic embellishments, such as colors, up to the patient.