California Life-Only & Accident and Health AgentRelated Benefits and ProductsMedium
A client is considering a vision insurance plan that offers benefits for annual eye exams, prescription lenses, and frames, but also includes coverage for contact lenses and discounts on corrective eye surgery such as LASIK. Which type of vision plan is she most likely evaluating?
- ABasic Vision Indemnity Plan
- BManaged Vision Care Plan
- CLimited Medical Expense Plan
- DVision Discount Card
Show answer & explanationAnswer & explanation
Correct answer: B. Managed Vision Care Plan
Managed Vision Care Plans typically offer comprehensive benefits, including annual exams, lenses, frames, contact lenses, and often provide discounts on advanced procedures like LASIK, within a network of providers. This structure aims to control costs while offering broad coverage.
Why the other options are wrong
- A. Basic Indemnity plans usually cover a set dollar amount for specific services, often without the comprehensive array of benefits or discounts on surgery.
- C. Limited Medical Expense Plans are not specifically for vision and would not typically include comprehensive vision benefits and LASIK discounts.
- D. Vision discount cards are not insurance; they simply offer reduced prices at participating providers for a membership fee, without paying claims.
Managed Vision Care Plan
A Managed Vision Care Plan provides comprehensive vision benefits, often including eye exams, prescription lenses, frames, contact lenses, and discounts on advanced procedures like LASIK, usually through a network of optometrists and ophthalmologists.
- Offers a wide range of vision services and materials.
- Typically uses a network of providers.
- Often includes discounts for elective procedures like LASIK.
- Focuses on preventive eye care and corrective vision.
Memory trick: Vision: manage your care, see clearly everywhere.