Tips & Tricks for Finding the Right Vision Insurance

Updated on 09/27/2023

Tips & Tricks for Finding the Right Vision Insurance

Are you tired of squinting at your computer screen or struggling to read the fine print on a menu? If so, it might be time to consider vision insurance.

In this article, we’ll delve into the world of vision insurance and guide you on how to find the right plan that suits your needs. Say goodbye to blurry vision and hello to a clearer outlook on life!

Why Vision Insurance Matters

Your eyes are windows to the world, and taking care of them is crucial for your overall well-being. Routine eye exams not only help you maintain good vision but also serve as early detectors for potentially serious health conditions like diabetes and hypertension.

Vision insurance is designed to make eye care more accessible and affordable. It covers a range of eye care services, including regular check-ups, prescription eyeglasses or contact lenses, and even discounts on corrective surgeries like LASIK.

Understand the Types of Vision Insurance

Of all the vision insurance providers available on the market, there are basically only two types of vision insurance options out there. Review the following for more information on the differences between a vision benefits package and a discount vision plan.

Vision Benefits Package – This type of vision insurance typically requires the beneficiary to pay an annual fee and a low copay per visit. In exchange, the enrollee gets an array of eyecare services for free or within a fixed price range as well as other items and services at a lower rate than individuals without vision insurance.

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Discount Vision Plan – This type of vision insurance entails having the enrollee pay an annual premium or membership fee. As such, the beneficiary gets eye health care services and eye wear for discounted rates. The main difference is that there are no “free” services under this type of plan. Individuals with great vision and little need for ongoing vision services may find this to be the cheaper, more efficient alternative.

What does vision insurance cover?

There are several services covered under vision insurance policies. Of course, it depends on the plan you have elected. Review the following for a sampling of the services offered through the majority of vision insurance plans.

Eye exam – Typical vision insurance plans cover the majority of a person’s yearly eye exam. For example, the cost of an eye exam without insurance may cost upwards of $200 or more. A good vision insurance plan may grant one free eye exam annually or charge an affordable copay. The copay may be as low as $10, depending on the stipulations of your plan.

Eyeglass frames – The cost of eyeglass frames can increase your eyecare expenses greatly if you opt for designer frames. Even non-designer high quality frames can sell for $150 to $200. With vision insurance, your copay can range between $25 and $50, saving you a great deal on the frames alone. Again, your copay is determined by the coverage stipulations of your plan. Some plans even offer one free pair of frames.

Eyeglass lenses – The lenses are the most important part of glasses, as they contain the proper formula to help you see adequately. Depending on the properties of the lenses you have opted for such as anti-reflective, photo chromatic or polycarbonate, they can run you a few hundred dollars. Vision insurance coverage can reduce the cost of lenses considerably and bring the cost down by 25 percent or more.

Contacts – Contacts may be an option in your plan, either as a replacement for glasses or in addition to them. Your plan dictates how much your lenses cost, if they are available.

Surgery – Some plans offer discounts on surgical procedures such as Lasik and PRK.

Choosing the Right Vision Insurance Plan

Now that you’re familiar with the basics, let’s discuss how to find the right vision insurance plan for you:

  1. Assess Your Needs: Consider your eye care needs and those of your family members. Do you wear glasses or contact lenses? Do you have any pre-existing eye conditions? Knowing your needs will help you narrow down your options.
  2. Compare Plans: Research different vision insurance providers and their plans. Compare premiums, deductibles, and coverage options. Look for plans that include your preferred eye care providers in their network.
  3. Check for Additional Benefits: Some vision insurance plans offer additional perks, such as coverage for designer frames or sunglasses, discounts on eye care accessories, or even telehealth services for minor eye issues.
  4. Review the Fine Print: Don’t forget to read the terms and conditions carefully. Pay attention to any waiting periods for coverage and understand what’s included and excluded in the plan.
  5. Ask Questions: If you’re unsure about any aspect of the plan, don’t hesitate to ask the insurance provider for clarification. Understanding the details can prevent surprises down the road.
  6. Consider Cost vs. Coverage: Balance your budget with the level of coverage you need. A plan with a higher premium may offer better coverage, but it might not be necessary if you have minimal eye care needs.
  7. Utilize Preventive Care: Take advantage of your vision insurance by scheduling regular eye exams. Preventive care can help detect and address issues before they worsen.

Popular Vision Insurance Companies in the U.S.

VSP Direct – Accepted by almost 40,000 vision care service providers, VSP provides discounts on Lasik procedures and offers its beneficiaries a new pair of glasses or contact lenses annually. The company offers savings on comprehensive eye care services such as eye exams and other regular maintenance.

EyeMed – There are more than 100,000 providers within the EyeMed network, making it a great choice for those who want more options. premiums start as low as $5 per month, and there aren’t any waiting periods.

Humana – Humana vision insurance boasts flat rates, yearly glasses frame replacements and discounted eyewear through It offers competitively low rates on eye exams and low copays. With a one-time enrollment fee, policyholders are given comprehensive vision care reasonable rates.

Davis Vision – Davis Vision has a comprehensive list of vision care services that fits the individual needs of its enrollees. The company features an exclusive rate for Transitions Signature lenses and features coverage for yearly eye exams, glasses, safety eye wear and vision wellness management.

UnitedHealthcare – With UnitedHealthcare vision insurance, beneficiaries do not have to endure waiting periods. Furthermore, coverage extends to both adults and children. The company offers discounts on out-of-network providers and LASIK surgery.

EyeBenefits – With EyeBenefits, enrollees do not pay a monthly fee. Instead, they pay an annual fee, and experience no limits on how many times they can access the vision care services within the year. In addition to paying a percentage toward routine eye care services, the company offers 20 percent discounts on glasses exams and 30 percent discounts on contact lens exams. In addition, LASIK surgery patients may get 50 percent off for the procedure.

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By Admin