How does vision insurance work?
Understanding vision insurance
Vision insurance helps to offset the costs of routine eye care and corrective eyewear. Much like health insurance, you'll typically pay a monthly premium and may also pay copays or coinsurance for specific services.
By reducing out-of-pocket expenses, vision insurance makes maintaining your eye health and accessing corrective eyewear more affordable and convenient.
Benefits of vision insurance
Vision insurance reduces out-of-pocket expenses for routine eye exams, prescription glasses, and contact lenses.
For example, many plans provide allowances for frames every one to two years, and sometimes cover fitting fees for contact lenses.
Many vision insurance plans provide discounts on premium eyewear options, such as anti-glare coatings, transition or polycarbonate lenses, and prescription sunglasses.
Some plans also offer savings on vision correction procedures like LASIK and coverage for treating eye conditions or injuries.
Costs of vision insurance
The cost of vision insurance typically includes:
- Monthly or annual premiums, which are regular payments to maintain coverage.
- Copays, or a small fee, for routine eye exams or other covered services.
- Partial out-of-pocket costs for eyewear expenses that exceed the plan's allowance for glasses or contact lenses.
