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Vision brokers play a key role in making eye health accessible by guiding buyers through the plan selection process. Coverage is often an important consideration when comparing options, and comprehensive plans tend to stand out.
However, not all comprehensive plans are the same. Read on to learn more about how comprehensive plans create value and what to consider when recommending them.
Understanding Comprehensive Vision Coverage
Comprehensive plans cover a wide range of optometry products and services. The goal is to address multiple aspects of eye health and ensure patients can access affordable care as their needs evolve.
Coverage typically includes:
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Routine eye exams. Vision insurance brokers should recommend plans that cover comprehensive exams designed to screen patients for a wide range of eye health conditions.
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Prescription eyewear. With 93% of adults using some type of eyewear, the demand for affordable glasses and contacts is on the rise.
Comprehensive coverage facilitates access to routine exams that result in early detection of eye health issues. It also gives patients access to the full range of treatment options, affording them control over their vision care journey.
Essential Features of Comprehensive Vision Plans
Not all comprehensive plans are the same. Vision brokers should help clients narrow their options by discussing the range of coverage and offering personalized recommendations.
Coverage Range
Coverage for routine exams and eyewear tends to be comparable among vision plans, but comprehensive plans offer varying levels of support in the following areas:
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Network provider options. Who accepts the plan? Consider whether patients can access a choice of optometrists who accept the plan in their zip code. Of course, a small local provider network will limit care options.
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Coverage limits and allowances. Some plans include coverage limits on materials and services. This results in out-of-pocket expenses for the patient or forces optometrists to offer discounts, which can result in a smaller provider network.
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Lab choices. Does the plan limit lab choices when crafting eyeglasses? Some insurance plans offer a lower reimbursement rate if the lab isn’t a preferred brand.
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Costs. Patients often face costs beyond premiums, including co-payments, deductibles, and non-covered services.
Vision Brokers Should Provide Personalized Recommendations
Personalization is key when recommending a comprehensive vision care plan. Certainly, vision brokers should ask a few questions before recommending a product:
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What are the patient’s unique concerns and risk profile? The needs of a remote worker with children will likely differ from those of a patient who is 60+ years old.
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Does the patient have coverage for some eye health services under their health insurance? If yes, is dual coverage worth it? If not, avoiding redundant coverage will help the patient save money.
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What is the patient’s budget? Finding the right balance between cost and value will enhance buyer satisfaction.
Vision Brokers Create Value With VCD of Oklahoma
In conclusion, a comprehensive vision plan is the best option for making preventive eye health care and a wide range of treatments accessible. As a broker, you can use your knowledge and expertise to demonstrate the value of these plans and help your audience compare their options.
Vision Care Direct of Oklahoma could be a great option if you’re looking for new products to recommend. With over 500 participating doctors in Oklahoma and a vast network nationwide, our prepaid vision plans give patients access to discounts on a wide range of services and eyewear options. Download our eGuide to find out how we support our broker partners, or learn more about our plans.
