Vision insurance is a way to minimize eye care expenses. The policy pays some vision care costs in exchange for a monthly premium. Typically, vision discount plans cost less yearly than vision insurance, but you’ll pay more for eyewear and visits than you would with insurance. Depending on how frequently you need eye exams or new lenses, receiving this plan might be a smart financial choice. Here’s more information on determining vision insurance for you and your family.
What Does Vision Insurance Cover?
Vision plans often cover at least a portion of primary preventive care, contact lenses, eyeglass lenses, lens protection for glasses, and eyeglass frames. In addition, many vision policies have extra options for coverage, like discounts on corrective eye surgery (Lasik) and daily disposable contact lens coverage. Remember that the insurance might not pay for eye care based on medical problems. Even though this insurance will not cover medical services for your eyes, health insurance often does.
Vision Insurance Costs
Moreover, many employers provide vision insurance as a benefit. Besides a monthly premium, you’ll likely pay partial costs for visits, examinations, and contacts or glasses. Generally, the higher your premiums, the less you’ll pay out of pocket for these services.
Where to Locate the Insurance
Fortunately, you can purchase individual or family vision plans via the same websites from which you are buying health insurance. As you search:
- Ensure the provider offers vision plans in your area by entering your ZIP code.
- If you need or a family member needs an eye examination, glasses or contacts soon, select a plan that doesn’t involve a waiting period.
- Many insurance providers offer vision and dental insurance, so research for combination plans if you need both types.
- Lastly, utilize the provider directory to ensure the plan covers your preferred vision specialist or to locate one near you.
Who Needs the Plan?
Since eye examinations can identify hidden medical issues, even those with significant vision shouldn’t skip them. As you get older, you’ll need more regular eye exams. In addition, people with a family history of eye disease and poor vision should have more frequent exam visits.
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