It's no surprise that vision insurance is misunderstood by many people. Depending on the reason for the doctor visit – a routine exam or an eye injury – it’s not always clear which doctor to visit.
At its most basic level, vision insurance helps cover the cost of routine eye exams, contact lenses and glasses. Some vision plans also pay for corrective procedures such as laser eye surgery. Additionally, most plans include one pair of glasses or contacts a year.
What Does Vision Care Insurance Cover?
Vision care insurance usually covers a percentage of the following basic services:
- Yearly eye examination
- Eyeglass lenses
- Eyeglass frames
- Contact lenses
- LASIK and PRK vision correction procedures at a discounted rate
Your specific vision care plan may have a limit, such as annually or every two years on how often it will pay for lenses and frames.
Do I Need Vision Care Insurance?
If you or members of your family wear corrective lenses and need periodic eye exams and changes in your eye lens prescription, it may be worthwhile to purchase vision care insurance. If you do not currently wear or need glasses, you may be able to get a periodic eye exam through your regular health insurance plan.
We're Here To Help
Not all vision plans are the same, and no one plan is the best for all families and situations. As your advisor, we will work to understand your needs and situation so we can suggest the right plan for you.