Vision Insurance

Is vision insurance worth it?
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Vision insurance will help to cover the cost of eye exams, contact lenses and glasses. Some vision plans will also pay for corrective procedures such as laser eye surgery. Most plans will cover one pair or glasses or contacts a year. Usually the plans will only cover the costs of standard lenses, not the specialty lenses. You may find that you still need to pay several hundred dollars when you purchase glasses.


Should I Get Vision Insurance?

Your health insurance may cover the cost of one eye exam and offer a discount on glasses for you. You should take this into consideration before you buy vision insurance. Additionally if you do not need glasses, you may choose to pass up this benefit. You can always enroll during open enrollment if you ever do need glasses.

Vision insurance is similar to dental insurance, since you may benefit from it depending on the number of dependents that you have and the overall plan. If no one in your family currently needs glasses, you may want to opt out. You should also consider the coverage that you will receive through your health insurance plan. That plan should cover at least one basic eye exam, as well as medical emergencies that involve your vision.

Another thing to consider is that you can now buy eye glasses online for a lot less than you could even a few years ago.

This may change the value of your vision insurance, because the frames and lenses can be purchased for a fraction of the price that you would pay at an eye glasses store. When you visit the doctor, you will need to request your prescription and then have them measure your pupillary distance. 

Where Do I Buy Vision Insurance?

You may be able to purchase vision insurance through your employer or you can purchase it on your own.

Vision insurance policies are generally fairly inexpensive. This can save you money if you do wear glasses or contacts. It is important to consider your situation before signing up for the insurance plan. You may be able to pay for glasses on your own and the cost of an eye visit for less than you are paying in insurance if you are single. vision insurance makes more sense when you have several people in your family on a vision plan.

How Do I Use Vision Insurance?

It is fairly simple to use vision insurance. Go the website to find out the doctors that are covered by the insurance. When  you make your appointment verify with them that they take the insurance. Most eye doctors will file the insurance claim for you, but you will likely have a copayment. Usually you will get your contacts from the eye doctor who will make sure they fit correctly. If you get disposable lenses, you may be able to save money by shopping around or online for them.

Vision insurance often has two different numbers when it comes to buying glasses.

You will have a frame allowance, which is the amount the insurance will pay for the frames. If the frames cost more than your frame allowance, you will pay the difference. There is also a limit on the amount they will pay for lenses. Some insurance plans will only pay for standard lenses and if you need thinner lenses, or anti-glare or scratch protection, you will need to pay the additional fees for those lenses.

You can look at the shop that is at your eye doctor's office. However, you can often save money by shopping around. Just ask your eye doctor for the prescription. Take the time to visit several different stores, warehouse clubs like Costco or Sam's Club offer lower prices on glasses. You may also want to check out online options like Zenni Optical and Warby Parker. The online options will not file your insurance for you, but you can submit the receipts to your insurance company and be reimbursed the cost of the lenses. 

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