Vision Coverage

Vision Insurance helps cover the cost of routine eye exams, contact lenses and glasses. Some plans also pay for corrective procedures like laser eye surgery.  Most plans will include one pair of glasses or contacts a year.

A routine eye exam may uncover typical eye issues like nearsightedness or farsightedness, but it could also detect other medical issues like diabetes, glaucoma, pink eye, or macular degeneration. Depending on that outcome, it would either bill as medical or vision.

Vision Insurance generally covers a percentage of the following services:

  • Yearly eye exam
  • Eyeglass lenses
  • Eyeglass frames
  • Contact lenses
  • LASIK correction procedures at a discounted rate

Some plans pay annually and some every 2 years for lenses and frames.

Vision care plans contract with eye care professionals. Some plans are Preferred Provider Organizations (PPO) where your eye care is managed by a network of providers. You could use out-of-network providers but would pay a greater cost share.  Other plans use certain providers to receive a discount on the offered services.

Generally, eye care offices and networks include optometrists and general ophthalmologists, but some plans can include providers that perform refractive eye surgery, LASIK, or other vision correction procedures.

Do you need vision insurance?

If you or a member of your family wear corrective lenses and need regular eye exams due to changes in the lens prescription, it would probably be in your best interest to purchase vision care insurance.  If you do not wear or need glasses, you may be able to get by with a periodic eye exam through your health insurance.

We are not here to push you to buy something. We are only looking out for you and your family to protect you from unnecessary large medical expenses that could be avoided.

Call us today to talk about your options.