With an estimated 195.3 million American adults requiring some form of vision correction, it is clear that eye issues are very much common among people these days. Especially with a good number of adults involved in computer-related jobs, they certainly have an increasing need for regular eye care. It is common to see that people who use screens for a majority of their work time develop computer vision syndrome that causes eyestrain. Vision problems make life difficult for the people, as eye issues not only make it difficult to perform essential tasks but can also go beyond that and lead to other complications like headaches, light sensitivity, burning, itching, soreness, etc. Still, with so many eye problems common among people, vision insurance is not considered worth to invest. The fact is people hesitate to have vision insurance coverage thinking it an expensive option, however, the long-term benefits often outweigh the short-term expenses.
It is high time and people now should seriously think of having vision insurance coverage that will financially support them to have access to regular eye exams, opt for corrective lenses or contacts, thereby ensuring them to have healthy eyes. Vision insurance plans have different levels of coverage categorized as standard, basic, enhanced, and advanced. Plan in these categories differs in terms of premium amount, and the type of coverage. As per the rule, vision insurance benefits include the following:
Eye Exam – By paying a few dollars in monthly premium, vision insurance beneficiaries are entitled to receiving one vision exam per year. They just need to pay a co-pay of $10 – $20 for most of the insurance providers.
Eyeglass Lenses and Frames – Glasses, frames, and contact lenses are expensive, so these are partially covered by vision insurance.
Coating and enhancements on Lenses – Some of the vision insurance plans also provide coverage for the cost of lens coating that enhances the life of the lens.
LASIK surgery – Some of the vision insurance plans partially cover for the elective or cosmetic surgery procedures.
Besides the above-mentioned benefits, enrollees also have access to the following products at a discounted rate:
- Scratch-resistant coating
- Polycarbonate lenses
- Anti-glare coating
- Transition lenses
- Progressive Lenses
Eye Care Products and Services that are Not Covered under Vision Insurance
There are certain eye care products and services that are not covered under vision insurance, though these vary company to company. Thus, people meed to ask about the benefits and exclusions while purchasing a vision insurance plan. Some of the common exclusions of the vision insurance plans are:
- Eye exams beyond the one per year
- Replacement of lost or damaged eyeglasses
- Non-prescription glasses like reading glasses
- A medical eye treatment, as these surgeries and treatments are covered under the health insurance policy.
- Experimental or investigative eye procedures
- Treatment if the doctor is a member of the beneficiary’s family
How Vision Insurance Works?
The vision insurance plan provides coverage for routine eye exams that are not covered under most of the medical plans and also provide discounts on eyeglasses and contacts that are essential for correcting vision problems. However, vision insurance plans do not provide coverage for serious treatments like non-elective surgery to correct eye injury because it is part of the major medical plan.
Why Obtain Vision Insurance?
It is significant to have vision insurance irrespective of whether people have perfect vision or need corrective lenses because preventive eye care is a vital part of people’s overall health. 75% of the people in the U.S. require vision correction, so even if people who have 20/20 vision now are likely to require vision correction at some point in their life. Both adults and children should go for an annual eye exam to test for different eye issues like color blindness, the sharpness of vision, presence of glaucoma, range of peripheral vision, and also early detection of serious conditions like diabetes, and eye disease. A vision plan makes annual eye exams affordable and also help people save on other types of eye care.
The Best Vision Insurance
Individuals buying vision insurance plans for themselves will not necessarily find a lot of variation in the vision coverage. While shopping for vision insurance, individuals only need to check the networks to ensure that their preferred optometrist accept their plan.
The two most popular vision insurance plans that are affordable and offer great benefits are provided by EyeMed and VSP vision insurance companies.
PrimeStar Select Vision Plan
PrimeStar Select Vision plan is offered by EyeMed and this plan is available at a monthly premium of $10.67. This vision plan comes with no waiting periods and members are required to utilize an EyeMed Access provider for in-network savings. The plan also provides coverage for eye exams once in 12 months and provides 100% coverage after co-pay. The cost of eyeglasses frames and lenses along with contact lenses are covered once every two years.
PrimeStar Choice Vision Plan
Another popular vision plan is the PrimeStar Choice Vision plan offered by VSP at a monthly premium of $16.34. Beneficiaries of this plan need to utilize a VSP Choice network provider for in-network savings. This vision plan too doesn’t have any waiting period and provides coverage for an eye exam once every 12 months. The costs of eyeglasses frames, lenses, and contact lenses are covered once every 12 months. This plan also pays 100% after the co-pay.