Vision coverage is an additional benefit plan that helps cover costs related to vision care, such as eye exams and glasses. If you or your family needs regular eye appointments and services, you may want to consider the additional coverage to assist in any associated costs. Most Americans need some corrective vision care when they are over the age of 18. Discuss your vision needs with an agent at BigInsurance.com to determine if vision insurance is right for you.
What Does Vision Insurance Cover?
A vision plan may help pay for the following:
- Basic preventive care such as eye exams and vision tests
- Eyeglass lenses
- Contact lenses
- Eyeglass frames
- Lens protection for glasses, such as scratch-resistant coating
Additional coverage may include options such as:
- Daily disposable contact lens coverage
- Discounts on corrective eye surgery such as Lasik
What Is the Cost of Vision Insurance?
Vision insurance costs will vary depending on where you are receiving insurance. Most people receive their vision insurance from employers where a premium amount is taken from each paycheck. Circumstances will vary, so it’s beneficial to discuss your vision care needs with your agent first.
Frequently Asked Questions About Vision Insurance
What is vision insurance?
Vision insurance is a form of health insurance that pays for eye exams, glasses, and contact lenses. It can also cover a portion or the total cost of certain eye-related medical procedures, such as laser eye surgery.
Vision insurance differs from medical insurance in what ways?
Yes, vision insurance and medical insurance are distinct types of coverage. Vision insurance specifically covers the cost of eye care, whereas medical insurance typically covers the cost of medical treatment for illnesses and injuries.
Who is eligible for vision insurance?
Vision insurance is typically offered as an optional benefit through the group health insurance plan of an employer. Some people may also purchase vision insurance separately.
What is covered by vision insurance?
Vision insurance typically covers an annual eye exam, glasses or contact lenses, as well as discounts on other vision-related services or products.
What is the cost of vision insurance?
The price of vision insurance varies based on plan and provider. Some employer-sponsored plans may include vision insurance at no extra cost, while others may charge a separate premium for vision coverage.
Are there any restrictions or waiting periods?
Each plan and provider has different waiting periods and exclusions, so it is essential to review the plan’s specifics prior to enrollment. Some plans may have waiting periods for specific services or pre-existing condition exclusions.
How do I utilize my vision coverage?
The process for utilizing vision insurance varies based on the plan and provider. Some plans require you to choose a network provider, while others allow you to see any provider. You may be required to pay a co-payment or co-insurance at the time of your visit; the insurance company will then reimburse you for the remaining covered expenses.