Last Updated July, 2022
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01
Editor's Choice
Star Ratings
A leading vision insurance provider with coverage for eye exams, frames, contacts, and lens enhancement and multiple coverage plans
  • Large, independent doctor network
  • Simple and quick enrolment
  • Personalised service
9.9
overall rating
Read Review
02
Star Ratings
UnitedHealthcare vision insurance plans are designed for people of all ages, at any stage of life, and include out-of-network benefits
  • No waiting periods
  • National network of providers
  • Laser eye surgery discounts
9.9
overall rating
Read Review
03
Star Ratings
An affordable insurer providing a comprehensive eye exam, frames, lenses SV / BV / TF, contact lenses, and out-of-network benefits
  • Starting as low as $5/month
  • Discounts on glasses and contacts
  • Out-of-network benefits
9.8
overall rating
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04
Star Ratings
Vision insurance with a PPO plan covering a range of expenses, including an annual vision exam, eyeglass lenses, and contact lenses
  • Specialty eyeglass lens options
  • Annual vision exams
  • Potential discounts on LASIK or PRK
9.8
overall rating
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05
Star Ratings
With this provider, you get annual vision exams, no waiting periods, guaranteed issue, and coverage for frames and contact lenses.
  • No ID cards or claims forms needed
  • Lasik discount offers
  • $150 allowance for frames
9.7
overall rating
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06
Star Ratings
This vision insurance provider offers coverage for comprehensive eye examinations and eyeglasses or contact lenses with follow-up care
  • LASIK discounts
  • One-year eyeglass breakage warranty
  • Over 93,000 points of access
9.7
overall rating
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07
Star Ratings
This add-on plan offers various vision benefits, including savings on quality eye care and eyewear, and starts at just $7 per month.
  • $0 copay for frames
  • Out-of-network benefits
  • Discounted eyeglasses, contact lens
9.6
overall rating
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08
Star Ratings
Affordable vision insurance provider with coverage for eye exams, standard S/V lenses, scratchcoat, frames, contact lenses, and LASIK
  • Starting at $6/month
  • Discounts on contact lenses
  • Discount/allowance for frames
9.6
overall rating
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09
Star Ratings
A provider with comprehensive benefits and coverage for eye surgeries, certain eye diseases/disorders, and permanent visual damage
  • No network restrictions
  • Affordable rates
  • Annual eye examination
9.5
overall rating
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10
Star Ratings
A vision membership with coverage for eyeglasses, parts of eyeglasses, lenses, frames, contact lenses, and laser vision correction
  • LASIK or PRK discounts
  • Unlimited usage
  • Thousands of locations
9.5
overall rating
Read Review

Frequently asked questions about vision insurance companies

As per the data by the Centers for Disease Control and Prevention, there are around 14 million Americans who suffer from vision-related problems. Moreover, out of these 14 million, around 80 percent of people could have corrected their vision with the help of refractive correction procedures. This implies that having visual procedures in your health insurance is essential and hence should not be overlooked while deciding to choose an insurance plan.

The health insurance provided by your employer may or may not include vision insurance. In fact, sometimes, your individual health plan also may not cover vision insurance. Health insurance packages that do include vision treatments might not provide enough coverage for the customers. Therefore, in such cases, having separate vision insurance is always a good idea.

However, before you buy vision insurance, it is important to understand, based on various vision insurance company reviews, what it is about, what are its benefits, and what do vision insurance companies offer. These frequently asked questions about vision insurance aim to provide a brief insight into the same.

What does vision insurance cost?

The cost of a vision insurance plan can vary and depend on the customization of the health plan you have chosen. The cost of this insurance can also depend largely on the state of your residence. On average, a standard vision insurance plan may cost about $15 a month. For a premium plan, you might have to shell out about $30 a month, and for a family plan, you might have to spend around $39 on an average. To get the best deal in the market, make sure that you compare multiple vision insurance companies.

How does vision insurance work?

Right after you have purchased an insurance plan, get a copy of your plan or learn how to access it online. Read the documents carefully to see what benefits you are entitled to, what costs are involved, and who are the service providers covered under your insurance provider. Once you have understood all the terms and conditions and the benefits, you will be ready to make an appointment for your eye exam. When you get an appointment, you should be prepared to give your doctor some details such as the name of the vision insurance company, the I.D. number provided to you, and the name of the plan that you have chosen; moreover, depending on the plan chosen, you might be asked to pay a certain amount for the exam. All these details are important to be given since some pre-authorization might be needed from the vision insurance company before the eye examination can be done by the doctor. If the eyewear is required as a part of the treatment, the doctor will also help you pick the right eyeglasses if these services have been included in your insurance plan.

What is covered under vision insurance?

Usually, the benefits of the vision insurance plan cover the cost of an annual eye check-up and any eyeglasses or contact lenses prescribed by a doctor. The coverage of the vision insurance plan will largely depend on the plan that you have purchased. However, as per vision insurance reviews, these plans cover very limited benefits and discounts for the cost paid as the annual fee. The area of benefits is narrowed under vision insurance as compared to those plans that are being offered as a small part of a big health insurance plan by an employer or a company. However, there are some basic benefits and facilities, such as the following, that are offered in all types of vision insurance plans.

  • Regular eye examination
  • Cost of prescription eyewear such as eyeglasses and contact lenses

How to use vision insurance?

To get maximum benefits from your vision insurance, follow these steps.

  • Step 1 – Find a doctor: After purchasing a vision insurance plan, you will be able to start using the benefits within 5 days. To start, you should first find an eye specialist who is listed in the network. You can find this information online and pick the doctor who is closest to your place or whichever you deem best.
  • Step 2 – Schedule an appointment: Once you have finalized the doctor, schedule an appointment as per your convenience and the doctor’s availability. Get a thorough eye examination done during your visit.
  • Step 3 – Get vision care items: After the examination, the doctor may prescribe some vision care items. These can include eyeglasses or even corrective lenses. Most vision insurance plans cover the cost of new lenses and frames.

Which are the best vision insurance companies?

There are several vision insurance companies offering coverage on various eye treatments. But, there are some that are better than others in the market. These include the following:

VSP Individual Vision Plans

This company offers vision insurance that is accepted by over 36,000 eye care providers. These plans can be availed through an employer benefits package or even as an individual vision insurance plan. Some of the features of VSP Induvial Vision Plans include:

  • An annual eye examination
  • Coverage for new contact lenses and eyeglasses prescribed by the doctor every 12 months
  • An allowance for LASIK treatment

UnitedHealthcare

Vision insurance from UnitedHealthcare is a signed liability under the Golden Rule Insurance Company. While buying vision insurance from UnitedHealthcare, customers do not have to face any waiting periods and the coverage is available for all ages. That is a really great reason to use this provider. The features of this insurance plan include:

  • The coverage includes vision care providers who are out of the network as well
  • The copy amount for an eye examination will be about $10
  • Discounts on eye surgery

EyeMed

With EyeMed, customers can enjoy great eye healthcare benefits and save some cash as well with all the discounts offered on the website. These discounts even cover frames and lenses which are truly costly to purchase over the long run. Some more features offered by EyeMed to its members include the following:

  • International benefits on the plan offer travel benefits
  • Discounts on laser vision correction
  • EyeMed members can also get some offers on hearing treatments

Is it worth getting vision insurance?

Unlike health insurance or car insurance, vision insurance is not legally necessary. It is also not an important part of your financial security. However, it is important that you understand the coverage depending on your requirements. Also, without vision insurance, you might end up spending a lot more than the insurance premium on eye examinations and other eye care treatments. So, it is definitely worth buying. However, before you go ahead, make sure that you have understood the coverage being provided and read through various vision insurance and vision insurance company reviews.

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