Vision insurance is an essential part of your health care coverage. However, many traditional health insurance policies do not cover eyewear or eye exams, so it is necessary to understand more about vision insurance, what it covers, and how you can get it.
What Does Vision Insurance Cover?
Vision plan coverage varies by the insurance company, how much you pay, and the state where you live. In general, most policies cover:
- Eye exams: You generally get one eye exam per year and may pay a copay the is stated in your policy
- Frames: Vision insurance companies generally will pay a percentage of the cost of frames or give you an annual allowance for a pair each year.
- Lenses: Usually, a copay or allowance is provided for lenses and the options you can choose. Some options like scratch resistance, transitional lenses, or progressives might also have discounts.
- Contacts: Most policies have copays or an allowance for contacts.
- LASIK and PRK: Most policies offer discounts on these procedures rather than paying a percentage or giving an allowance.
As important as it is to know what vision policies cover, it is just as important to know what they do not cover. Vision insurance policies are not health insurance, so any medical conditions you need to have addressed should be covered by your health insurance.
Your vision policy will most likely not cover any visits beyond the allowed amount, nor will they cover experimental procedures.
How to Get Vision Insurance
There are many places you can get vision insurance. For example, if you have an employer-sponsored health plan, you might be able to purchase vision plan through your employer. You can have your employer talk to me about how they can offer vision plans to their employees.
You can also shop around for a vision plan. I have vision policies that can fit your needs. You might even be able to add a vision policy as a rider to other insurance, like dental. By adding it as a rider or choosing a bundle that includes it, you might be able to reduce your overall expenses since many insurance bundles have discounted rates for the types of insurance included.
Vision Insurance Costs
How much you’ll pay for vision insurance depends on where you live, the level of services you choose, and how much you’re willing to pay for eye care.
Like any other insurance policy, the more you can pay per month or year, the less you will pay for visits, exams, and eyewear. Generally, you should expect to pay between $10 and $20 per month per person. Exam copays can cost as little as $0 for an in-network eye doctor to more than $50 for an out-of-network doctor.
Other costs are usually broken by what you are getting or having done. Here are some estimates of costs you might expect:
- Routine eye exams: $0 to $40 or more
- Frames: 20% to 35% discount
- Lenses: Up to 35% discount or a copay plus additional costs for options
- Contacts: Up to a 15% discount
- Prescription sunglasses: Up to a 20% discount
- Corrective surgeries: Up to a 15% discount
Why do I Need Vision Insurance?
Vision insurance reduces the cost of ensuring your eyes are healthy. It also significantly lowers the cost of your eyewear.
Additionally, exams can identify issues that can be corrected before they become serious health problems. Many health conditions can be identified early in an exam, which makes the exam and insurance an essential part of your health care.
Through a comprehensive eye exam and a new technique called retinal imaging, an eye doctor can identify changes in your eye and overall health. Some conditions that an eye doctor can note are:
- High blood pressure
- Rheumatoid arthritis
- Vascular diseases
- Risk of stroke
- Myasthenia gravis
- High cholesterol
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.