If you have or are looking to purchase vision insurance, you may be wondering what makes these companies unique. In this article, you’ll learn about the similarities and differences of EyeMed and Community Eye Care (including how they compare in cost).
How are EyeMed and Community Eye Care similar?
Both EyeMed and Community Eye Care are taken by various practice modalities (i.e. private, corporate, etc.). They offer members significant savings on eye exams, contact lenses, and glasses as well as offer discounts on vision correction surgery (such as LASIK and PRK). In fact, EyeMed does through the U.S. Laser Network while Community Eye Care does through TLC Laser Eye Centers.
If you’re looking for medically necessary contact lens coverage, EyeMed has plans with this benefit available while Community Eye Care requires you to use your allowance towards this service. In most cases, the Community Eye Care allowance does not cover the full cost of a medically necessary contact lens fit and materials.
How are EyeMed and Community Eye Care different?
The biggest difference between EyeMed and Community Eye Care is the material coverage for contact lenses and glasses. EyeMed has multiple plans with various material coverage options while Community Eye Care provides members with a set material allowance (typically around $200).
With Community Eye Care, you are able to see any provider you would like. However, if the provider is out-of-network, you may have to pay in full at the time of service then submit your claim on your own for reimbursement. Fortunately, all members still receive their full benefits under Community Eye Care’s out-of-network policy. This is not always the case with EyeMed.
Lastly, EyeMed has a much large doctor network than Community Eye Care.
The cost for EyeMed varies depending on what plan you choose and how you sign up (as an individual or with a company). In general, company-sponsored plans tend to cost you (the employee) a lot less.
For EyeMed, there are an array of plans to sign up for which range $5 a month (individual discount plan) to $90 a month (family plan).
On the other hand, Community Eye Care is only available through employers, associations, and health plans. As a result, individuals plans are not available and member cost varies depending on the package your employer, association, or health plan is associated with.
In the end, EyeMed and Community Eye Care are both great vision insurances. If your company provides either of these vision insurances as an option, you’re in luck. However, only EyeMed can be purchased on the open market, making it a more accessible option to the masses.