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Calculate your cost
for health and life Insurance!
Get Rates & Plans Now
Or call today!
877-734-3884

Vision FAQ’s

What is Vision Insurance?

Vision insurance is generally a supplemental insurance to other types of medical insurance policies. Vision insurance will help offset the costs of routine checkups, as well as help pay for vision correction wear that may be prescribed by the attending provider. Please note, however, that definitions of certain terms may vary between insurance carriers.

My vision is fine so why do I need an exam?

Thorough eye exams are essential, not just for detecting vision problems, but as an important preventive measure for maintaining overall health and wellness. It does more than just help you see well. It can also help your provider see signs of common health conditions like high cholesterol, high blood pressure and diabetes. Caring for your eyes should always be a part of your regular healthcare routine.

What Is The Difference Between A Routine Eye Exam And A Contact Lens Exam?

Routine eye exams are an important preventive measure for maintaining your overall health and wellness. During an eye exam, your doctor can look for vision problems and signs of serious medical conditions such as glaucoma, cataracts, diabetes, and even cancer.

During a contact lens exam, your doctor will evaluate your vision with contacts. Although your vision may be clear and you feel no discomfort from your lenses, there are potential risk factors with improper fitting of contact lenses that can affect the overall health of your eyes.

What Types Of Plans Are Available?

Both insured and discount vision plans are available. Vision insurance is insurance coverage, whereas with a discount plan you pay providers who accept the plan according to a published schedule of benefits published by the discount plan.

2020 Schedule
Affordable Care Act Open Enrollment
November 1, 2019 Open Enrollment begins.
December 15, 2019 is the last day to enroll for 2020 on the federal facilitated marketplace.
January 1, 2020 Coverage starts.

2020 Schedule
Medicare Annual Enrollment Period
October 1, 2019 Pre-enrollment period starts. 2020 plans can be discussed.
October 15, 2019 Enrollment starts.
December 7, 2019 is the last day to enroll for a 2020 plan.
January 1, 2020 Coverage starts.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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877-734-3884