Eye Care Insurance

CARE Insurance Benefits

Eye Care Insurance

EyeCare benefits are offered through Ameritas Group Dental and Eye Care. Guaranteed Issue - Offered Nationwide

Plan Options

Services Offered - All services are offered once in a 12 month period
Lifetime-Per Person Deductible of $65.00 on Frames and Contact Lenses ONLY!
Service (Frames/Lenses Benefits and Contact Lenses Benefits cannot be used in the same 12 month period)	Maximum Covered Expense
Examination—Includes case history; external examination of the eye and adnexa; ophthalmoscopic examination; determination of refracture status; binocular balance; tonometry test for glaucoma; gross visual field when indicated; summary finding; prescribing of lenses	$45.00
Frames (Frames and Contact Lenses Benefits cannot be used in the same 12 month period)	$65.00
Lenses (Per pair of lens-Patient pays remainder)
Single	$40.00
Bifocal	$60.00
Trifocal	$75.00
No line bifocal or progressive power OR Lenticular	$80.00
Contact Lenses (Frames and Contact Lenses Benefits cannot be used in the same 12 month period)	$110.00

Monthly Premium
Member Only	$7.48
Member + 1 (child or spouse)	$13.08
Member + 2 or more	$18.60

*Please refer to your certificate of insurance for complete details on all benefits, frequencies and plan limitations or view the limitations below.

*Eligible applicants must be a member in good standing of CARE. The above monthly premium includes $1 monthly membership fee for CARE.

*Please refer to your certificate of insurance for complete details on all benefits, frequencies and plan limitations or view the limitations enclosed

- Rates include the $1.00 CARE Membership Fee

Limitations and Exclusions on Vision coverage underwritten by Ameritas Group Dental and EyeCare:

Covered Expenses will not include and no benefits will be payable for expenses incurred for:

vision examinations more than once in any 12 month period
prescribed lenses more than once in any 12 month period
frames more than once in any 12 month period
contact lenses more than once in any 12 month period. When chosen, contact lenses shall be in lieu of any other lenses benefit during the 12 month period and in lieu of any other frame benefit during the 12 month period. When lenses are chosen, expenses for contact lenses are not Covered Expenses during the 12 month period
examinations performed or frames or lenses ordered before the Insured was covered under this section
subject to Extension of Benefits, any examination performed or frame or lens ordered after the Insured’s coverage under this section ceases
sub-normal vision aids
orthoptic or vision training or any associated testing
non-prescription lenses; replacement or repair of lost or broken lenses or frames except at normal intervals
any eye examination or corrective eye-wear required by an employer as a condition of employment
medical or surgical treatment of the eyes; any service or supply not shown on the Schedule of Eye Care Services
coated lenses; oversize lenses (exceeding 71 mm)
photo-gray lenses; polished edges
UV-400 coating and facets, and tints other than solid
lenses and frames during the first 12 months that a person is insured under this section, when the person is a Late Entrant, as defined.

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CLICK HERE FOR QUOTE ON ADDITIONAL BENEFIT OPTIONS.

Even those people with regular medical insurance have trouble meeting the unexpectedly high costs that often accompany hospitalization. There could be expensive deductibles and other initial out-of-pocket expenses to pay before contributions from regular medical coverage begin. These charges can add up quickly, particularly in the face of serious or lengthy medical condition. A Hospital Indemnity policy can help to cover deductibles, co-insurance and other expenses for hospital stays.

Advantages of the policy

· Helps reduce burden of out-of-pocket expenses associated with hospital stays

· Pays in addition to other insurance

· Coverage available for spouse & children of members

· Policy can be continued if a member changes jobs

· Benefits paid directly to insured or to specified party