Vision Insurance

It’s a fact of life that almost everyone eventually needs eye care at some point in their lives

But most health insurance plans do not cover glasses, contacts, or eye exams. A Vision Insurance supplement plan an help with these costs and keep you seeing clearly.

How Does Vision Insurance Work?

Vision insurance is a form of supplemental insurance which, to put it simply, pays for some or all of the costs associated with eye care – from annual checkups and part of the cost of glasses or contacts. As it is separate from health insurance, your employer’s benefits package may not offer a vision option. Luckily, many stand alone plans exist, at all budget levels.

As with health insurance, the premiums paid and procedures covered vary depending on the plan, and some plans require the use of in-network optometrists or ophthalmologists for care, while others allow out-of-network care at a higher cost. 

Most vision plans don’t have a deductible, so you can use them right away. Many also have a benefit maximum, however, which means anything you spend over that amount you’ll have to cover out of pocket. 

What Does Vision Insurance Cover?

Vision insurance plans generally cover eye exams, eyeglass frames and lenses, lens options, and contact lenses up to their specific benefit amount. Most plans do not cover LASIK or PRK surgery as it’s considered elective, but many offer significant discounts on the procedures versus going it alone. Generally, medical procedures to address issues like glaucoma or cataracts are covered by your health insurance plan and are not part of vision insurance.

Contact our benefits team to help break down the features of vision plans to help you find one that, well, looks good to you!

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