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Our vision can be critical to our overall health and well-being. However, routine eye exams, prescription glasses, and contact lenses can be expensive without insurance coverage. Fortunately, vision insurance is among the most affordable types of insurance.1 Still, knowing what your policy covers and what can impact your premiums is important. This article will explain how vision insurance works, what it covers, and who should consider this type of insurance policy.
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Our vision can be critical to our overall health and well-being. However, routine eye exams, prescription glasses, and contact lenses can be expensive without insurance coverage. Fortunately, vision insurance is among the most affordable types of insurance.1 Still, knowing what your policy covers and what can impact your premiums is important. This article will explain how vision insurance works, what it covers, and who should consider this type of insurance policy.
Vision insurance is supplemental health insurance that helps cover eye care expenses such as routine exams and corrective eyewear. In exchange, the policyholder pays monthly premiums to maintain vision coverage.2
There are two types of vision coverage:2
Vision insurance can help cover costs related to eye health. The types and amounts of costs covered will depend on the type of insurance plan you have.
Vision insurance is often quite affordable, costing an average of $5 to $35 per month.2 However, vision insurance premiums depend on several factors, such as the deductible you choose, your provider, your age, and where you live.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedVision insurance typically offers many benefits, including:
Vision insurance tends to have lower premiums compared to other forms of insurance. As mentioned, average premiums cost up to $35 per month.2
An eye exam from a large retail vision provider can cost up to $100.3 Eyeglasses can cost $200 - $300 or more, on average, when uninsured.4 Contact lenses can cost $200 - $1,600 annually, depending on the type and how often they are disposed of.5
These costs can add up to hundreds or thousands of dollars, whereas some of the most comprehensive vision insurance plans will only cost around $60 to $180 per year using the monthly figures mentioned earlier. Even with copays and deductibles, you may ultimately save on eye care with vision insurance.
Vision insurance can help you maintain good eye health for two reasons. First, it makes eye care more affordable. You can feel more comfortable getting the care you need without financial strain.
Second, you must pay your premiums every month or year regardless of whether you use your coverage. Therefore, having insurance can incentivize you to schedule your regular exams. As a result, you may maintain better eye health and can catch and address potential issues early.
Vision insurance can work well for anyone who doesn’t have perfect vision, including those who wear corrective lenses or have a history of eye-related conditions. It may assist in paying for procedures to help restore vision. Older adults can also find vision insurance helpful since they may require more frequent eye exams or other forms of eye care.
Even individuals with perfect vision may benefit from vision insurance. Some eye conditions may only be noticeable to you once they are a significant issue. Annual eye exams can help catch these problems early on, and vision insurance can help cover the costs of treatment.
Vision insurance is one of the most affordable insurance policies available. Higher-end plans can cost less per year than one eye exam and a pair of eyeglasses.
Whether you have perfect vision or not, getting a vision insurance policy can help you catch issues early and reduce out-of-pocket costs for treatments to maintain excellent vision and good eye health. Speak to an Aflac agent today to explore your vision insurance options.
Having vision insurance may be worth it if you care about prioritizing your eyes and helping to protect your wallet from high out-of-pocket vision care. Read on to learn how vision insurance works so you can decide if getting a plan is worth it for you.
Vision insurance can help you lower eye care expenses and maintain good eye health. Learn how vision insurance works and how much it costs.
Having vision insurance may be worth it if you care about prioritizing your eyes and helping to protect your wallet from high out-of-pocket vision care. Read on to learn how vision insurance works so you can decide if getting a plan is worth it for you.
Vision insurance can help you lower eye care expenses and maintain good eye health. Learn how vision insurance works and how much it costs.
1 Forbes – Best Vision Insurance Companies Of 2025. Updated August 27, 2025. https://www.forbes.com/advisor/health-insurance/best-vision-insurance-companies/. Accessed October 16, 2025.
2 Forbes – Is Vision Insurance Worth It? Updated January 8, 2025. https://www.forbes.com/advisor/health-insurance/is-vision-insurance-worth-it/. Accessed September 16, 2025.
3 Vision Center – Eye Exam Costs. Updated April 29, 2025. https://www.visioncenter.org/resources/eye-exam-cost/. Accessed September 16, 2025.
4 ValuVision – How Much Are Eyeglasses Without Insurance? Updated September 22, 2025. https://valuvision.com/how-much-are-eyeglasses-without-insurance/. Accessed October 16, 2025.
5 WebEyeCare – How Much Do Contacts Cost? Everything You Need to Know! Updated March 25, 2025. https://webeyecare.com/blog/contacts-how-much-do-contacts-cost/. Accessed September 16, 2025.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Vision, VSN series: In Delaware, Policy VSN100. In Idaho, Policy VSN100ID. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA
Tier One coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Not available NY or VA. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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