VISION INSURANCE

What is Vision Insurance?

Vision insurance is a way to reduce eye care expenses. In exchange for a monthly premium, the plan picks up some of the costs of vision care.

 

Vision insurance is different from a vision discount plan, which offers discounts on vision care. Typically, vision discount plans cost less per year than vision insurance, but you pay more for visits and eye-wear than you would with insurance.

 

Most adults need vision correction: 66% of Americans 18 and over report using glasses, contacts or both, according to the National Eye Institute. Depending on how often you need new lenses or eye exams, getting vision insurance may be a smart financial choice.

What Can Vision Insurance Pay for?

Vision plans often pay at least a portion of:

  • Basic preventive care such as eye exams and vision tests

  • Eyeglass lenses

  • Eyeglass frames

  • Lens protection for glasses, such as scratch-resistant coating

Vision plans often pay at least a portion of:

  • Daily disposable contact lens coverage

  • Discounts on corrective eye surgery such as Lasik

Vision insurance may not pay for eye care related to medical issues. If your optometrist finds medical problems during your vision exam, he or she would refer you to a medical eye doctor such as an ophthalmologist. Although vision insurance may not cover medical services for your eyes, health insurance often does.

Vision Insurance Costs

Many employers offer vision insurance as a benefit.

 

If you don’t have access to vision insurance at work, you might be able to find it for less than $20 per month.

 

In addition to a monthly premium, you’ll likely pay a portion of costs for visits, exams, and glasses or contacts. Typically, the higher your monthly premium, the less you’ll have to pay out of pocket for these services.

Seek Professional Guidance

Insurance agents and brokers, insurance counselors, and other trained financial consultants can help provide answers to detailed questions about a particular policy. These professionals are also helpful in selecting the right policy and the appropriate amount of coverage.

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Mill Creek, WA 98012

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Fax: 360-794-5004

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