As mentioned above, copays (see dental terminologies) apply to vision care plans. Waiting periods (see dental terminologies)
may also apply to vision care insurance plans. These waiting periods
are the duration of time during which certain products and services are
not covered by a vision care insurance plan. The length of waiting
periods differ according to the plan and could be as long as 36 months
for some plans. Waiting periods may not apply in some cases.
Frequency limits also apply to vision care insurance. These frequency limits determine the number of times a certain product or service will be provided during a certain period. For example, frame replacements could be supported once every 12 months and vision examinations supported every 6 months.
Preexisting conditions in some cases can also determined before one buys a vision care insurance plan. These preexisting conditions could influence the premium or may not be covered by the plan.
Although vision care insurance plans are not as popular as dental insurance, they lower the cost of eye care especially when the premiums provide a very cost-effective alternative to the out-of-pocket expenses.