iQuanti: Did you know that glasses and contact lenses aren’t typically covered by medical insurance, despite being an essential aspect of healthcare for many people?
That’s why insurance companies offer optional vision insurance plans intended to help offset out-of-pocket costs for vision care. If you’re reviewing vision insurance options, it’s important to understand what to look for in vision insurance plans and how to choose the best plan for you.
What Does a Vision Insurance Plan Cover?
Most vision plans provide coverage for certain services at a fixed cost. For example, a vision insurance plan might cover
But as with most medical and dental plans, vision insurance may require you to pay a premium or make a co-pay before the benefits kick in.
Most basic vision plans will cover:
And some more extensive policies could also cover various lens options, like high-index or progressive, and some corrective eye surgery procedures for disorders, like cataracts and glaucoma.
While vision insurance is provided through an insurance company, vision discount plans are not insurance, though they may still be backed by an insurance company. There are several key differences between vision insurance and vision discount plans, including:
Comparing Vision Insurance Plans
There are several factors to consider when comparing vision insurance plans.
The Bottom Line
Choosing an appropriate vision insurance plan is crucial to eye health. And the plans can help offset out-of-pocket costs associated with vision care. When comparing vision insurance plans, be sure to check out factors like cost, coverage amount, and in-network providers. But most of all, base your plan choice on what your family will actually use. Doing so means you won’t end up paying more than your vision insurance plan is worth.
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