Vision Insurance

When it comes to your vision, it’s important to be clear about your insurance coverage. Vision insurance provides a range of benefits that may not be available under your standard medical plan. Dedicated vision insurance can be an important consideration for you and your family.

What is vision insurance?

Vision insurance has been specifically designed to protect the eye health of you and your family. Coverage typically includes eye checks, prescription lenses, frames, contact lenses, and many other aspects of eye health. It functions much like general health insurance, with certain benefits available to you when you pay a monthly premium.

Why should I get vision insurance?

Taking care of your eyes is vital for ongoing wellness, especially as you get older. Not only can vision problems affect anyone, but the health of your vision is also affected by your general health. For example, an eye doctor can detect diabetes, high blood pressure, autoimmune diseases, and many other conditions by performing an eye examination. Having vision insurance makes it easier to get the care you need.

What are the categories of vision insurance?

Not all supplemental vision insurance packages are created equal. There are three main categories of vision insurance in the United States, and each plan offers distinct benefits. Indemnity health insurance allows you to choose your provider, health maintenance organization coverage gives you access to a network of providers at discounted rates, and preferred provider organization coverage provides standard and discounted rates inside or outside your provider network.

What is covered by vision insurance?

Depending on the plan, vision insurance covers a wide range of medical costs, either partially or in full. For example, most plans will cover the full cost of new contact lenses or eyeglasses, along with discount plans for frames and lenses. Discounts may also be available for corrective laser eye surgery procedures, with full coverage normally limited to surgeries involving eye disease or infection. Typical coverage includes eye examinations, corrective lenses, lens enhancements, and non-cosmetic surgeries.

Do I need vision insurance?

Vision insurance is recommended for most people. Eye problems can impact anyone at any time, with issues more likely as you age. When vision insurance is used alongside a standard medical insurance plan, it will help you maintain eye health, save money on eye-related products and services, and diagnose general health issues earlier.

If you’re looking for vision insurance for you or your family, a United Benefits Specialist can help you explore your options.