Group vision insurance in Bloomfield Hills that is simple to use
Vision is one of the benefits employees notice most. They use it every year or two for exams and glasses. Yet many employers pick a vision plan without checking the network or the allowances. If you are comparing vision insurance in Bloomfield Hills, a few plain questions will tell you if a plan is any good.
We are an independent employee benefits consulting firm, in business since 2007. No carrier owns us. We help employers in Bloomfield Hills, Birmingham, Southfield, Pontiac and across Michigan choose vision coverage.
Vision insurance
A group vision plan helps pay for routine eye care. That usually means an eye exam, plus help paying for glasses or contact lenses.
Two terms explain most plans. The first is frequency. That is how often an employee can use each benefit, such as one exam per year or new frames every other year. The second is the materials allowance. That is the dollar amount the plan pays toward frames or contacts. The employee pays anything above it.
Networks matter too. Some plans work best with large retail chains. Others have strong ties to independent eye doctors. Employees want to keep the eye doctor they already see.
We compare plans side by side and check the network against where your employees live and work. We explain the plan in plain words for open enrollment. For proper coverage of an account we work in teams of 5: an account executive, an account manager, a plan analyst, customer service and IT.
Should vision insurance be employer-paid or voluntary?
Both work. Vision is one of the lower-cost benefits, so some employers pay for it as a simple perk. Many others offer it as a voluntary benefit through payroll deduction. Employees who wear glasses tend to sign up. Those who do not can skip it. Either way, the plan gives your team access to network pricing.
Is vision insurance worth it if our medical plan covers eye care?
Medical plans usually cover eye problems caused by an illness or injury. Routine exams, glasses and contacts are a different matter. Many medical plans pay little or nothing for them. Check your medical plan’s summary before you decide. A separate vision plan fills that gap.
Common questions
Can vision come from a different carrier than medical?
Yes. Vision is often a separate plan. Some medical carriers offer vision as part of a package, so we compare the bundled option against a stand-alone plan on network and allowances before recommending either.
Can employees add family members?
Most group vision plans let employees cover a spouse and children. Rates are usually set by tier, such as employee only, employee plus spouse, employee plus children and family. Children’s eligibility ends at an age the plan defines, so check the certificate.
When can we add vision?
Many employers add it at open enrollment in the fall. A new vision plan can also start at other times of the year. Once it is in place, employees generally cannot join or drop mid-year unless they have a qualifying life event.
Talk to us about vision insurance in Bloomfield Hills
Send us your renewal or book a 30-minute call, and we will compare vision insurance in Bloomfield Hills for your team. Visit us at 41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, MI 48304, or call 248.370.8853.
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