Having good vision is an important part of overall health, but traditional health insurance policies often don’t cover eye exams or eyewear. That’s where vision insurance comes in. It’s a separate policy that can help lower the cost of ensuring your eyes are healthy and provide coverage for eyewear.
What Vision Insurance Covers
Vision insurance policies vary, but most cover the following:
- Eye exams: You’ll usually get one per year with a copay, depending on your policy.
- Frames: Most vision insurance plans will pay a percentage of the cost of frames or give you an annual allowance for a pair of glasses each year.
- Lenses: You’ll typically have a copay or allowance for lenses, with additional costs for options like scratch resistance or transitional lenses.
- Contacts: Most policies have copays or an allowance for contacts.
- LASIK and PRK: Some policies offer discounts on corrective surgeries.
It’s important to note that vision insurance policies are not health insurance, so they won’t cover medical conditions that need to be addressed through your health insurance. Additionally, they won’t cover any visits beyond the allowed amount or experimental procedures.
How to Get Vision Insurance
You can get vision insurance through your employer if they offer it as part of your health plan, or you can shop around for a policy that fits your needs. Some insurance companies also offer bundles that include vision insurance, which can result in discounted rates.
The Cost of Vision Insurance
The cost of vision insurance depends on where you live, the level of services you choose, and how much you’re willing to pay. Expect to pay between $10 and $20 per month per person, with additional costs for copays and discounts on exams, frames, lenses, contacts, prescription sunglasses, and corrective surgeries.
Why You Should Get Vision Insurance
Vision insurance can significantly lower the cost of eye care and eyewear, and routine eye exams can identify health issues before they become serious problems. An eye doctor can also identify changes in your eye and overall health through a comprehensive eye exam and retinal imaging, potentially detecting conditions like high blood pressure, diabetes, and vascular diseases.
Get In Touch to Learn More About Your Insurance Options
If you have any questions about whether or not you need vision insurance, I can help. As a vision insurance agent, I can help you understand your options and find the right coverage for your needs. Contact me today to discuss your insurance options.
Here is a webpage for your review with Vision Insurance Quotes.