What Is Vision Insurance And What Does It Cover

If you have vision insurance already or are considering getting it, you likely have inquiries about its coverage and cost-effectiveness.

eHealth is here to address all your queries and assist you in finding the ideal vision insurance plan whenever you’re prepared.

Vision Insurance
What is Vision insurance and what does it cover: Photo source (Sapling)
What appointments, procedures, and prescriptions are generally covered by vision insurance?

You can expect vision coverage plan to cover all or a portions of the cost for things like:

  • Routine preventative eye care (eye exams)
  • Prescription eyewear
  • Sometimes elective vision correction surgery, like LASIK and PRK

Vision plans typically offer specific benefits and discounts for an annual premium, unlike major medical insurance.

They usually don’t provide unlimited coverage after co-pays or deductibles.

Eye diseases are covered under major medical conditions; for example, complications from diabetes or cataracts are treated through health insurance.

How much does vision insurance cost?

You can buy vision coverage plan through eHealth starting at $6.99/month.

According to Investopedia, you can expect to pay between $5 – $15/month for vision coverage plan.

This does not include any cost sharing payments you may be expected to pay, like copays or deductibles.

Does vision insurance cover contacts?

Most vision coverage plans will give you an allowance toward contacts or glasses.

The allowance or discount you receive for contact lenses will depend on the plan you choose.

You may also only receive coverage for contacts if you buy through certain retailers depending on your plan.

You may also receive an extra discount if you buy through particular retailers or buy a certain brand.

Does vision insurance cover glasses?

Most vision coverage plans will give you an allowance towards contacts or glasses.

This allowance or discount may vary depending on the plan you have.

You may also receive coverage for contacts or glasses if you buy through certain retailers.

You may also receive an extra discount if you purchase from certain brands or retailers.

Does vision insurance cover lasik?

Vision insurance may offer coverage for LASIK or PRK.

Odds are your vision plan may not cover the full cost, but they may offer discounts for these procedures or cover a portion of the cost.

Does vision insurance cover sunglasses?

Similarly to vision policy’s coverage of regular reading glasses, vision insurance may cover some portion of the price of prescription lenses for sunglasses as well.

The amount of a discount or the allowance you receive will vary from plan to plan.

Who is vision coverage plan right for?

Vision insurance is a good idea for anyone who requires glasses or contacts, or may need them in the future.

It’s a good idea to get vision coverage policy so that yearly preventative care is covered.

This can help not only get you glasses or contacts when you need them, but help diagnose any eye disease early.

Vision coverage plan comes at a fairly low-cost per month, making it a good idea to have just in case.

Is vision insurance worth it?

Unlike your health coverage plan, which you may hope to never use for anything serious, vision insurance is different.

These plans help you keep up on your eye health at a low-cost and offer discounts for regular maintenance – like glasses and contacts. These plans are absolutely worth having.

How do you buy vision coverage policy?

Vision coverage plan enrollment is open year-round, unlike major medical insurance.

eHealth offers plans starting at $6.99/month and can assist you in finding the perfect vision insurance plan.

With our experienced agents, we compare options to fit your budget and needs, making us your ally in both health and vision coverage. Let’s find the right plan together.

What is the difference between medical and vision coverage plans?

Medical insurance is your primary health coverage, often provided by employers or purchased on the marketplace.

Vision coverage plan, on the other hand, is elective and supplements your medical plan. It covers routine eye care like exams, contact lenses, and glasses.

Basic eye issues are covered, but more complex problems like cataracts are usually handled by medical insurance.

Yearly routine eye exams are often included in medical insurance plans, and under the Affordable Care Act, basic eye care for children is covered, including exams, glasses, and contact lenses.

Leave a Comment