Vision Insurance
Comprehensive Vision Benefits for New York Businesses
Century Benefits Group provides comprehensive vision insurance plans for small to mid-sized businesses throughout upstate New York. Our experienced insurance broker team helps you find vision coverage options that cover routine eye exams, glasses or contact lenses, and frames while supporting employee productivity in detail-oriented work environments. We offer flexible group and individual vision insurance plans with leading vision providers including Blue Cross, VSP, Eye Med, and Davis Vision.
Comprehensive Vision Insurance Plans for Your Business
Vision insurance provides essential eye care coverage that most health insurance plans no longer include.
Our vision insurance solutions include:
- Three-tier coverage structure covering eye exams, prescription lenses, and frames
• Flexible benefit schedules with 12-12-12 or 12-24-24 plan options to fit your needs
• In-network and out-of-network provider access for maximum employee choice
• Group and individual vision plans available through our insurance company partnerships
Vision Coverage Components:
Eye Exams: Annual comprehensive eye examinations through our network of eye doctors to detect vision changes and eye health issues early
Prescription Lenses: Coverage for glasses or contact lenses including single vision, bifocals, and progressive options
Frames and Eyewear: Annual allowance toward new eyeglass frames from participating optical retailers including Target Optical, LensCrafters, Pearle Vision, Vision works and Wallmart.
Our most popular plan structure offers 12-12-12 benefits, allowing employees to receive an eye examination, new lenses, and new frames every 12 months. We also offer 12-24-24 vision plans where lenses and frames are covered every two years for cost-conscious employers.
We serve clients throughout upstate New York with personalized attention from our insurance broker team that has kept businesses loyal for over 25 years.
Find Vision Insurance Plans That Fit Your Needs
Choose Complete Employee Benefits Coverage
Vision insurance works best as part of a comprehensive employee benefits strategy. Our insurance broker team helps you find the right coverage combination that maximizes value while controlling premium costs.
Complementary Coverage Options:
- Dental Plans: Combine with vision for complete oral and eye health protection
- Health Insurance: Coordinate vision benefits since most medical plans exclude routine eye care
- Disability Insurance: Protect employees whose vision-dependent work could be affected by eye injuries
- Life Insurance: Round out your benefits package with essential life coverage
Many clients find the best savings when bundling vision coverage with other insurance products. Our approach ensures all your employee benefit plans work together seamlessly, reducing administrative burden while providing comprehensive protection.
We help you choose coverage options that fit your budget and meet your workforce’s unique vision care needs through our extensive network of insurance companies and vision providers.
Contact Century Benefits Group:
Phone: (585) 224-8138
Email: [email protected]
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Frequently Asked Questions
What vision benefits are included in your vision plans?
Our vision plans provide comprehensive coverage for eye care services including annual eye exams, prescription glasses, contact lenses, and frames. Plan benefits may vary by location, but most include coverage for routine eye care through our network of in-network participating vision providers. Benefits may also include discounts on additional products and services like sunglasses and lens upgrades.
How do I find vision providers in your network?
You can find vision care providers through our extensive network which includes major retail chains like Costco, VisionWorks, and other vision centers. Our plan documents include a complete provider directory, and we can help you locate in-network participating eye care professionals in your area. Vision services may vary by location, so we’ll ensure you understand your specific coverage options.
Do you offer insurance for individuals and families or just group coverage?
We offer both group vision plans for businesses and insurance for individuals and families. Our individual policies provide the same comprehensive eye care benefits as our group plans, though premium costs and plan benefits may vary. We’ll help you find vision coverage that fits your needs whether you’re seeking personal coverage or benefits for your entire workforce.
What are the exclusions and limitations of your vision plans?
Like all insurance policies, our vision plans include certain exclusions and limitations detailed in your plan documents. Common exclusions may include cosmetic procedures, certain specialty lenses, and services that may not be available through standard vision care. We’ll review all contract requirements and limitations with you to ensure you understand your coverage for eye care services.
Can I use my vision benefits at retail chains like Costco or online at Glasses.com?
Yes, many of our vision plans include participation with major retail chains and online providers. Coverage options may include in-network discounts at Costco optical departments and other retail locations. Some plans also provide benefits for online purchases through approved websites, though specific participation and payment requirements may vary by plan and provider.
How much can I save on eye care costs with your vision plans?
Savings on care costs depend on your specific plan benefits and whether you use in-network providers. Most insured members save significantly on routine eye exams, prescription glasses, and contact lenses. Our vision provider network offers additional discounts on products and services beyond your basic coverage, and savings may vary by location and the specific vision services you need.
What happens if I need to see an out-of-network eye care provider?
While we encourage using in-network providers for maximum savings, most vision plans provide some coverage for out-of-network services. Your policy will include a reimbursement schedule for services received outside our network, though benefits may be reduced. We can help you understand the cost difference and find in-network alternatives that fit your needs.
Are there special requirements for cataract surgery or other medical eye procedures?
Vision insurance typically covers routine eye care, while medical eye procedures like cataract surgery are usually covered under your health insurance plan. Our plan documents clearly describe what vision services are included versus what requires medical coverage. We can help coordinate your vision benefits with your health insurance to ensure you understand coverage requirements for all types of eye care.
