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Vision plans help protect your eyesight and are important to your overall health. Vision insurance provides coverage options for annual eye exams, glasses and contact lenses, and more!
Learn more about Vision Insurance coverage options.Contact us to speak with a licensed insurance agent now.
Call (888) 855-6837
Learn more about Vision Insurance coverage options.Contact us to speak with a licensed insurance agent now.
Call (888) 855-6837Vision plans help protect your eyesight and are important to your overall health. Vision insurance provides coverage options for annual eye exams, glasses and contact lenses, and more!
What Does Vision Insurance Cover?
Vision insurance typically covers benefits like annual eye exams, and includes yearly allowances or discounts for corrective lenses (glasses and contact lenses)[0]. Many plans also provide discounts on laser vision correction.
Coverage and costs vary by insurance company and plan. The list below includes examples of coverages and limitations but is not a complete list.
What Vision Insurance Covers
- Annual routine eye exams
- Eyeglasses and contacts allowances or discounts
- Discounts for Lasik
What Vision Insurance Does Not Cover
- Frames or contact lens costs over the plan allowance
- Coverage for eye health issues like cataract surgery, treatment for glaucoma, etc. (Eye diseases are generally covered by major medical health insurance, just like any other disease.)
- Elective surgeries like Lasik
Pros and Cons of Vision Insurance
- Options for every budget – Stand-alone vision plans typically offer low premium costs, with premiums for a single person generally in the range of $5-$35 / month, depending on the benefits provided[0].
- Apply year-round – There is no official open enrollment period for many stand-alone vision insurance plans and coverage can typically begin the next day.
- Guaranteed issue – Applicants are accepted regardless of health history.
- Network limitations – Many plans have a network of vision providers which may not include your preferred eye doctor. (Vision indemnity plans will allow you to use any provider, but will cap the amount that they pay for the services.)
- Frame limitations – Your plan may not cover all frames – or frame purchases may require additional out-of-pocket costs.
- Annual commitments – Some plans require a 12-month minimum commitment to start coverage.
Find Answers to Vision Insurance Questions
Does my health insurance cover vision care?
Major medical health plans will generally cover eye diseases such as glaucoma, cataracts, and macular degeneration, with the same cost-sharing that applies to any other illness. But most health plans do not include coverage for routine vision care such as eye exams, glasses, or contacts.
If you have individual/family or small-group health coverage that took effect in 2014 or later, the coverage will include routine vision care for children. (In most cases, the coverage includes one eye exam and one set of glasses per year.) This is because pediatric vision care is an essential health benefit under the ACA[0]. (Large-group plans are not subject to essential health benefit rules.) Adult vision coverage is not considered an essential benefit under the ACA, so although some major medical health plans do include routine vision care for adults, this is not required and often not included.
Does my health insurance cover vision care?
Major medical health plans will generally cover eye diseases such as glaucoma, cataracts, and macular degeneration, with the same cost-sharing that applies to any other illness. But most health plans do not include coverage for routine vision care such as eye exams, glasses, or contacts.
If you have individual/family or small-group health coverage that took effect in 2014 or later, the coverage will include routine vision care for children. (In most cases, the coverage includes one eye exam and one set of glasses per year.) This is because pediatric vision care is an essential health benefit under the ACA[1]. (Large-group plans are not subject to essential health benefit rules.) Adult vision coverage is not considered an essential benefit under the ACA, so although some major medical health plans do include routine vision care for adults, this is not required and often not included.
How much does vision insurance cost?
Premiums, co-pays and coverage options all vary based on the insurance company and level of benefits you select.
How much does vision insurance cost?
Premiums, co-pays and coverage options all vary based on the insurance company and level of benefits you select.
How do I pick a vision insurance plan?
Each vision plan is different, so consider your current and future eye care needs to determine the level of coverage that best meets your needs and budget. If you already have an eye doctor, check to see if they are in the plan’s network, if applicable, to keep costs lower.
How do I pick a vision insurance plan?
Each vision plan is different, so consider your current and future eye care needs to determine the level of coverage that best meets your needs and budget. If you already have an eye doctor, check to see if they are in the plan’s network, if applicable, to keep costs lower.
Who should get vision insurance?
Everyone can receive an annual eye exam, regardless of their vision. Vision insurance for individuals and families may be particularly helpful for those with compromised vision, and for older adults. Vision insurance may be a good option for covering the costs of annual screenings and corrective lenses (glasses or contacts).
Who should get vision insurance?
Everyone can receive an annual eye exam, regardless of their vision. Vision insurance for individuals and families may be particularly helpful for those with compromised vision, and for older adults. Vision insurance may be a good option for covering the costs of annual screenings and corrective lenses (glasses or contacts).
Why do I need an annual eye exam?
A routine eye exam is a preventative measure for maintaining your overall health and wellness. Your doctor can screen for vision problems and signs of serious medical conditions such as glaucoma, cataracts, diabetes, and even cancer. Examinations also help determine the right prescription strength for eyewear and contact lenses.
Why do I need an annual eye exam?
A routine eye exam is a preventative measure for maintaining your overall health and wellness. Your doctor can screen for vision problems and signs of serious medical conditions such as glaucoma, cataracts, diabetes, and even cancer. Examinations also help determine the right prescription strength for eyewear and contact lenses.
Vision Insurance Resources
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