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What Does Vision Insurance Cover?

With so much beauty in the world to see, keeping your eyes healthy is crucial. It’s also important for your wellness and overall health. One important step to keeping your eyes healthy is making sure that you have an insurance plan that covers eye care. Having vision insurance may cover routine and preventative eye care, helping you to protect your eyes from future problems down the line and renewing prescriptions for glasses and contact lenses.

Let’s take a look at the details of how vision insurance works and what it covers.

3 Min Read

Table of Contents

Key Takeaways

  • Vision insurance may cover preventative eye care and help you renew your glasses and eye contact prescription.
  • Vision insurance may even cover more advanced procedures like LASIK surgery or glaucoma screenings, depending on the plan.
  • Vision insurance generally doesn’t cover eye diseases, which are typically covered by health insurance.

What is vision insurance?

Vision insurance is a type of insurance that may help limit out-of-pocket costs for routine and preventative eye care. This might mean discounted costs or total costs covered for visits to the eye doctor, paying less for a pair of glasses or a set of contact lenses, and sometimes a discount for less common procedures like laser vision correction.1

Vision care is often an optional add-on plan for health insurance plans.1 It tends to be less expensive than some other insurance plans1, but the cost of a policy will vary, depending on your insurance provider.

What are the benefits of vision insurance?

There are many benefits to having vision insurance, including:

  • Access to eye care services: Having vision insurance might limit costs when you go to the eye doctor, making care for your eyes more accessible.
  • Regular eye checkups: When you have vision insurance, you can get routine eye check-ups that might help check for more serious eye conditions.
  • Potential savings on eyewear: Many vision insurance plans may discount glasses and contact lenses, making it useful for people who need frequent prescription renewals.

Typical coverage provided by vision insurance

There are a few common expenses that are often covered by various vision insurance plans, such as:

  • Routine eye exams: Routine eye exams may be covered by vision insurance plans.1
  • Prescription glasses: Many vision insurance plans cover some or all of the cost of a new pair of prescription glasses with your visit to the eye doctor.1
  • Contact lenses: If you prefer to wear contact lenses instead of glasses, your insurance may cover some of the costs of your new set of contacts.1
  • Lens enhancements: If you require certain enhancements to your glasses to protect your eyes, those might be covered by your vision insurance.2
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Additional services sometimes covered by vision insurance

Depending on which plan you choose, there are less common services that might be included in your vision insurance, like:

  • Laser vision correction (LASIK): For those who want more permanent vision correction, discounts on laser vision correction operations might be included in their vision plans.2
  • Medical eye care: While health insurance plans may cover eye diseases, your routine eye exams can help detect diseases like glaucoma.2

What is typically not covered by vision insurance?

While vision insurance may cover some routine eye care services, some things may not be included in your vision plan. Elective procedures, cosmetic eyewear, and non-prescription sunglasses, for example, are typically excluded from vision plans.

Likewise, more serious eye procedures and conditions, like surgeries to treat glaucoma or cataracts, may be covered by health insurance instead of vision insurance.

Is vision insurance worth it?

Whether vision insurance is worth it will depend on a number of factors including your needs, your vision plan options, and your health care budget. If you know that you will need a new vision prescription in the coming year, or you will need a new pair of glasses or contact lenses, then you might want to choose a vision insurance plan that covers eye exams and new lenses. Additionally, if you’re getting older, you may want to consider a vision plan to cover more frequent eye exams, as you might be at more risk of cataracts or other eye conditions.3

Vision insurance can be worth it for many, and it tends to be less expensive than other types of insurance as well. So if you think you may need to go to the eye doctor soon, making sure you’re covered could be a good idea.

Get a quote for vision insurance

Vision insurance covers many common reasons that make people visit the eye doctor, and if you foresee yourself needing to go for those routine visits, it might make sense to look into getting coverage. If you’re not sure about whether it’s worth it to get vision insurance, speak with an agent to consider your options and to see how much vision insurance will cost.

Ready to get vision insurance?

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