One of the many things you can get insurance for is your eye care. Vision insurance has become more common in recent years.
Here's what you need to know:
What Is Vision Insurance?
These plans provides coverage for services relating to the care and treatment of the eyes. It covers scheduled services delivered by an optometrist or ophthalmologist (as opposed to the kind of care you'd receive in a hospital for an emegency). Depending on the specific plan, some or all of the following services may be covered:
- Yearly eye exams
- Glasses (with an annual limit)
- Contact lenses and fitting (with an annual limit)
- Glaucoma screening
Depending on the plan you select, you may also be eligible for coverage on certain eye surgeries. Other plans will only cover "reasonable and customary" charges that occur during your yearly eye exam. This generally don't include the cost of glasses and contact lenses. That's why it's important to understand your family's eye care needs before you purchase a plan.
How Much Does It Cost?
Vision care insurance is usually inexpensive—often under $150 or $200 per year. It may cost a little more to buy a family plan that covers you and a spouse or you, a spouse, and kids.
How Does It Work?
Plans can work two different ways. With the first, your insurer pays for the services you receive. They make the payment to your eye care provider. With the second, you'll be asked to pay for the services you receive at the time of your appointment, and then file a claim with your insurer for reimbursement.
Where Do You Get It?
Right here! You can get a fast, free quote just by clicking the button on this page.
Who Should Have It?
Anyone who has access to vision insurance should take advantage of it because the benefits outweigh the minimal cost. If you don't have coverage and have no vision problems, you could go without vision care insurance and "pay as you go" for annual eye exams. But what if your vision gets worse? If your vision expenses are already relatively high (e.g., glasses, contacts) and you don't have employer coverage, you should definitely think about buying coverage.