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Vision insurance is a specialized type of coverage that helps individuals manage their eye care expenses. It typically covers eye care services such as routine eye exams, prescription eyeglasses, contact lenses, and sometimes even procedures like LASIK and other vision correction surgeries.
Unlike medical insurance, vision insurance plans do not provide unlimited benefits after you meet your deductible. In fact, most eye insurance plans only offer discounts for an annual premium. In this article, you will learn more about vision insurance coverage and related concerns. You will also learn where to find the best vision insurance, whether you're looking for individual or group coverage.
For over 20 years eHealth has helped 5 million people like you find the right vision insurance
Why get a vision Insurance plan with eHealth
Routine eye health
Routine vision care may not be covered by your health plan.
Lower overall costs
A vision insurance plan may reduce your out-of-pocket costs for eye care.
Maximize benefits
Receive discounts on vision expenses like glasses or even LASIK.
Ongoing support
Have questions? Our licensed agents have answers for you.
Benefits of vision insurance
| May include: | Vision insurance plan | Vision discount plan | Typical health plan |
|---|---|---|---|
| Annual routine eye exam | |||
| Eyeglass frames/lenses and contacts | |||
| Pre-determined discounts on all vision-related expenses | |||
| Balance paid by plan with required copayment | |||
| Eye care for major medical problems |
What is vision insurance?
Vision insurance can help you cover some of the cost of maintaining healthy vision, such as routine eye exams and contact lens fittings. However, it's important to look around to find the right plan for you.
When you buy vision insurance, it's important to understand all the costs associated with your plan. You should also discuss your benefits with your agent or eyecare professional. For example, some employers provide group vision insurance as part of their benefit packages. Depending on what is included, you may also wish to purchase supplemental vision insurance to cover the cost of exams, eyewear, and other vision necessities for you and your family.
What does vision insurance cover?
It's important to review individual policies carefully to truly understand what your vision insurance covers. However, most eye insurance plans cover the cost of:
- Routine eye care, such as annual eye exams
- Preventive care
- Allowance for prescription eyewear if necessary
Depending on the type of policy you have, you will typically have to pay at least a portion of the cost for eyeglasses and contact lenses.
LASIK, PRK, and other vision correction surgery have become more mainstream over the past several years. Therefore, some vision insurance will also cover part of the cost or provide a discount for these services.
If you have an eye disease or chronic condition, you will probably receive care under your medical insurance, not your vision insurance. For example, cataracts, glaucoma, and other eye diseases typically do not fall under vision insurance. Instead, you would file a claim with your health insurance company.
How do I get vision insurance?
You can receive vision insurance through eHealth. We offer both individual and family plans, and you can even get coverage for your small business employees. We'll start by pairing you with the right plan to meet your needs.
If you're looking for coverage for your own eyecare, we can set you up with an individual plan that offers discounts and affordable premiums. On the other hand, if you have recently married or have young children ready for their first eye exam, we can set you up with family vision insurance to ensure you see each precious memory. If you're looking for a way to stay competitive, vision coverage for your employees is a great way to stand out from other companies.
Ready to secure your eye health? Discover the best vision insurance plans available for your needs. Enter your zip code below to compare your options.
Vision Insurance FAQs
How is a contact lens exam different?
How much does vision insurance cost?
Can I bundle vision, dental and health insurance?
How do I pick a vision insurance plan?
Learn More about Vision Coverage with eHealth
Now that you understand how vision insurance works, partner with eHealth to find the right plan for you, your family or your employees. You won't pay a dime for our services, and you can save a lot of money by comparing plans available through eHealth.
We advise and assist you as a one-stop shop for major vision insurance carriers. Our licensed insurance agents look out for your best interest and mediate with vision insurance carriers to ensure you receive the best eye insurance plan possible. Feel free to browse our website to learn more about eHealth and contact us today for a free consultation.
