How does vision care insurance work?

You can purchase vision-care insurance independently as an individual or as a family plan. However, sometimes a vision plan is an option or even a standard benefit in employer health insurance plans. It usually offers discounts on eye exams, prescription lenses, eyeglass frames, contact lenses, and LASIK surgery. Some plans offer additional options such as a benefits package for eye surgery and eye diseases. In addition, depending on the type of plan you have, you may have to choose a doctor that’s part of your insurance network.

 

There are different ways you can benefit from vision insurance. First, whether you purchase a discount plan or a benefits package, you get the benefit of access to a network of eye care health specialists such as ophthalmologists and optometrists. Both can diagnose and treat eye disease and vision problems. In either case, vision insurance or discounts will provide lower prices on eye exams, glasses and contact lenses. Always check your vision care plan to verify coverage levels.