Vision Insurance
Vision insurance plans can help with out-of-pocket costs when checking your eyesight, which is important to your overall health. Major medical health insurance typically does not cover eye exams, so vision insurance plans can provide additional coverage options for eye exams, eyeglasses, contact lenses, and more!
What Does Vision Insurance Cover?
Vision insurance plans may cover benefits like annual eye exams, and could include pre-determined yearly allowances or reduce vision care expenses like corrective lenses (either glasses and/or contact lenses). Some plans can even provide discounts or partial coverage 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.
Vision Insurance Can Help Cover
- Annual routine eye exams
- Eyeglasses and contacts with pre-determined allowances or reduced costs
- Discounts or partial coverage for Lasik eye surgery
What Vision Insurance Does Not Cover
- Frames or contact lens costs over the pre-determined plan allowance
- Coverage for more extensive eye health issues like cataract surgery, treatment for glaucoma, etc.
- Elective or cosmetic surgeries
Pros and Cons of Short Term Health Plans
- Options for many budgets—Standalone vision insurance plans can offer a wide range of benefits, from limited coverage to more expansive coverage, for a full range of monthly premium costs.
- Apply year-round– There is no open enrollment period for most standalone vision insurance plans and you can apply anytime of year.
- Guaranteed issue– Most vision insurance plans can accept applicants regardless of health history.
- Network limitations – Many vision insurance plans have a network of providers, which may not include your preferred eye doctor.
- Frame limitations– Your plan may not cover all eyeglass frames – or frame purchases may result in additional out-of-pocket costs.
- Replacement limitations– Some plans do not cover the replacement of broken, lost, or damaged eyeglasses or contact lenses.
Vision Insurance Resources
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