Check whether employees’ optometrists and optical retailers participate, and how out-of-network reimbursement differs. Compare routine exam copays separately from frame, lens and contact-lens allowances, including fitting fees, lens upgrades and whether contacts replace the glasses benefit.
Confirm how often each benefit renews: an exam, frames and lenses can have different frequency rules. Review dependents, enrollment eligibility and payroll contributions in the actual certificate.
Routine vision benefits are not the same as medical eye care. Treatment of eye disease or injury may be handled by the medical plan, subject to that plan’s network and cost sharing.
Coordinate voluntary worksite benefits with your group health insurance options.
