Vision plans help protect your eyesight and are important to your overall health. Vision insurance provides coverage options for annual eye exams, glasses and contact lenses, and more!
What Does Vision Insurance Cover?
Vision insurance typically covers benefits like annual eye exams, and includes yearly allowances or discounts for corrective lenses (glasses and contact lenses). Many plans also provide discounts on laser vision correction.
Coverage and costs vary by insurance company and plan. The list below includes examples of coverages and limitations but is not a complete list.
What Vision Insurance Covers
- Annual routine eye exams
- Eyeglasses and contacts allowances or discounts
- Discounts for Lasik
What Vision Insurance Does Not Cover
- Frames or contact lens costs over the plan allowance
- Coverage for eye health issues like cataract surgery, treatment for glaucoma, etc. (Eye diseases are generally covered by major medical health insurance, just like any other disease.)
- Elective surgeries like Lasik
Pros and Cons of Short Term Health Plans
- Options for every budget – Stand-alone vision plans typically offer low premium costs, with premiums for a single person generally in the range of $5-$35 / month, depending on the benefits provided.
- Apply year-round – There is no official open enrollment period for many stand-alone vision insurance plans and coverage can typically begin the next day.
- Guaranteed issue – Applicants are accepted regardless of health history.
- Network limitations – Many plans have a network of vision providers which may not include your preferred eye doctor. (Vision indemnity plans will allow you to use any provider, but will cap the amount that they pay for the services.)
- Frame limitations – Your plan may not cover all frames – or frame purchases may require additional out-of-pocket costs.
- Annual commitments – Some plans require a 12-month minimum commitment to start coverage.