Michael Wehner

What Is Vision Insurance?

Vision insurance is a type of optional plan that can provide coverage for your eye care. As most health insurance policies don’t include vision coverage, consumers without a proper plan could experience high out-of-pocket expenses for eye exams and glasses.

Read more below to learn about what vision insurance covers, and how having it could impact you.

Who Should Have Vision Insurance?

Everyone should have some level of vision insurance, whether or not you need corrective lenses at this moment in time. As you may know, some diseases or types of eye damage may show small, seemingly insignificant signs. That’s why getting a regular check-up is so important as one’s vision can change or deteriorate over the course of time.

Annual eye exams are conducted by an optometrist. The doctor will determine how accurate your eyes are working, and test their focus, movement, and response to light among other things. These routine assessments can also uncover eye conditions such as cataracts, glaucoma, and diabetic retinopathy. They can also reveal traumatic brain injuries.

By ensuring that you have vision insurance coverage, you can be confident that you’re taking the eye health of you and your loved ones seriously.

What Does Vision Insurance Cover?

Vision insurance typically covers a percentage of basic services such as:

  • Yearly preventive eye exams
  • Eyeglass frames and lenses
  • Contact lenses

Policies and insurance companies vary on coverage amounts and how often they will pay for corrective lenses. Yearly exams are typically covered fully. Prescriptions lenses may be covered fully, depending on your policy. Frames and contact lenses are typically covered up to a dollar amount. Waiting periods for corrective lenses are typically every 1 to 2 years.

How Much Does Vision Insurance Cost?

The cost of vision insurance varies by insurance company and type of plan. However, the premiums are generally lower than Affordable Care Act (ACA) health insurance policies, and the benefits concentrate only on eye-related exams and treatments.

Where Can You Get Vision Insurance?

If you’re not offered the opportunity to select vision insurance through your employer, I can help you find a plan, at no cost to you. I can even help you determine the right path forward if you aren’t satisfied with the coverage you currently have. Call me today to begin reviewing your options.

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