The 5 Best Vision Insurance Companies of 2021

What is Vision Insurance?

Vision insurance is used to reduce the cost of glasses, contact lenses and eye exams. This additional insurance can also help offset the costs of LASIK. Some people might opt ​​for a Vision discount plan, which can be purchased separately from insurance that offers discounts to providers instead of co-payments.

The plans vary, which means that consumers should read the coverage items before buying. While some plans pay in full for vision exams, others require a copay. Likewise, coverage for glasses, lenses, and contacts varies between carriers and plans.

What does Vision insurance usually include?

Vision insurance typically covers annual exams, lenses, frames and contacts. Providers can offer higher-end packages that also include appointments for contact fittings, lens protection, and LASIK surgery. Plans can cover specific brands or have price limits on frames and contacts.

What does Vision insurance usually exclude?

Many companies will not fully cover what they consider “elective surgery”, such as LASIK. But some insurance plans offer coupons to offset the costs. Other medically necessary eye surgeries and treatments for conditions such as glaucoma and cataracts are only covered by your health insurance.

Often vision insurance only covers specific brands or price ranges when it comes to glasses or contacts. It’s important to understand what’s covered so you don’t get disappointed and forced to change your style or brand. Other exclusions vary depending on the cost and size of the plan: for example, some cheaper plans only cover glasses and not contacts.

What are the expected costs of Vision insurance?

You should expect to pay between $ 5 and $ 15 per person per month vision insuranceThis is in addition to the copays or deductibles, which vary based on the services you are trying to get and the state you live in. Note that some companies also charge an application fee. If you apply for vision insurance through your employer, you may only be able to enroll once a year.

Is Paying for Vision Insurance Worth It?

The value of vision insurance is different for each person. Think about how often you visit an eye doctor and whether your prescriptions change often to help you decide if vision insurance is worthwhile for you.

The average eye exam without insurance can cost about $ 152, with the average eyeglasses with lenses in the $ 200 to $ 300 range.Suppose your average annual cost is one exam and mid-range glasses of $ 200; your total annual out-of-pocket costs would be $ 352. If you paid $ 12 a month for 12 months, with a paid annual vision exam and $ 150 credit for glasses, you would end up paying a total of $ 194 and saving $ 158. If your vision is okay and you just want a check-up every few years, vision insurance may not be worth it for you.

How We Picked the Best Vision Insurance Companies

We looked at companies with a large national network for coverage. We also looked at the company’s reviews from companies like JD Power and the Better Business Bureau to see if there were any adverse legal actions or trends. We also looked at the costs and coverage limits of each company’s plans.

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