MEDICAL
A pre-determined group of doctors and hospitals a participant may visit as part of their insurance plan.
Networks
This type of dental coverage includes routine exams and cleaning.
Preventive
This is the first benefit for the Vision Insurance Plan, can be performed annually.
Annual Eye Exams
This fixed amount is paid yearly out of pocket and must meet a minimum dollar amount before insurance starts covering healthcare expenses.
Deductible
Dental coverage that includes root canals and tooth extractions. This one is covered for 80% of the costs.
General
This is the second type of Vision insurance besides the Vision Insurance Plan. This one is non-premium based.
Vision Discount Program
As opposed to the HMO, this insurance plan allows visits to doctors and hospitals out of network at a higher cost.
Preferred Provider Organization (PPO)
This dental plan has lower premiums, no deductibles (only co-payments) and requires a primary dentist.
Dental Health Maintenance Organization (DHMO)
Both Vision Insurance Plans have this third benefit as an alternative to glasses and frames.
Contact Lenses
This insurance plan has higher deductible and lower premiums. It may be combined with a Health Savings Account (HSA) and can go in and out of network.
High Deductible Health Plan (HDHP)
This is the third and only non-premium based dental plan.
Discount or Referral Dental Plan
Sunglasses may be acquired through the Vision Insurance Plan only through which method?
Via ophthalmologist prescription.
This plan includes 3 tiers of coverage with different cost structures. Also it's mostly offered in rural areas where networks may not have coverage.
Open Access Plan
This is the fourth type of dental coverage that has a one time coverage of 50%.
Orthodontia
This type of major eye surgery is covered under the Vision Insurance Plan.
Cataract Surgery.