Vision insurance is a form of health care that is frequently overlooked or deemed non-essential. As health care costs continue to rise, some companies no longer offer eye care insurance to their employees as a way to cut down costs. Cutting back on eye care, can have negative ramifications for you and your family. Unforeseen expenses or eye conditions can wreak havoc on your budget if you do not have supplemental insurance to help you cover these costs. In addition to emergency benefits, those with vision insurance are more likely to get eye exams and follow through on eye care than those who do not have vision insurance.
Luckily, you do not have to count on an employer to provide you vision insurance. Many companies offer individual and family insurance options for low monthly fees or yearly premiums. We have evaluated the best vision insurance plans for individuals to help you select the eye care insurance that fits with your life. We especially liked VSP, EyeBenefits and Vision Plan of America. For more information, read our articles on the best vision insurance.
Any type of health insurance can be confusing, especially with constantly changing regulations and fees. Knowing what to look for is crucial when deciding to purchase eye care insurance for your family. When you begin to search, you should have a basic idea of your eye care needs. Upfront, know whether you need to find a benefit plan that will cover the cost of exams, certain types of eyewear or contacts, or even LASIK surgery. When we evaluated the top vision insurance providers, we were looking for these criteria.
The value of any eye care plan is made up of costs for enrollment and basic services, as well as what coverage the company provides toward eyewear and expenses like LASIK surgery. When reviewing the best vision insurance plans, we looked at basic fees and enrollment costs. The average cost of enrollment was around $20, while the best vision insurance providers charge no enrollment fees beyond the monthly or yearly premium.
Another area to look closely at is the allowances an insurance provider offers for frames and contact lenses. Some vision insurance providers help pay for a percentage of your eyewear, while the best providers give you a flat rate to apply toward any pair.
Taking care of your eyewear is an important part of a vision plan, which is why the top vision insurance providers help you pay for extra lens options such as UV coating, scratch resistant surfaces and tinted lenses.
Another important part of choosing between vision insurance providers is the frequency with which you can use your benefits. Some providers allow you to get new lenses or eye exams once a year. Some of the best insurance providers even allow you to use your benefits as you see fit with no yearly limit on the number of times you can use your benefits.
Knowing what resources are available to you as a member is an important aspect of choosing a vision insurance provider. Pay attention to the estimated number of eye exam locations; the higher the number, the more likely you will be able to easily reach an eye care provider. The best eye care insurance providers allow you thousands of options around the country and do not limit you to one major chain. Another thing to look for is help and support options. All insurance providers should give you a way to contact them over the phone or through email. The best providers will quickly respond to your telephone messages and emails with friendly customer service.
The top vision insurance providers should offer you and your family coverage that meets your eye care needs. Look for coverage that provides coverage when purchasing eyewear and contacts and assistance with the cost of surgery like LASIK. The best providers have quick, friendly customer service to answer all of your insurance questions.
|Vision Service Plan||EyeBenefits||Vision Plan of America||Humana|
|Plan Selected||Standard Plan||Single - 1 Year||VIP Premier||Vision Focus|
|Per Month / Person||$14.50||$30.00 / Year||$12.00||$14.99|
|Vision Exam||$15.00||10% - 20% Off||$0.00||$10.00|
|Lens Exam||$15.00+||10% - 30% Off||$25.00||$40.00|
|Lenses||$25.00||10% - 30% Off||$42.00||$25.00|
|Frames||$150.00||10% - 50% Off||$100.00||$100.00|
|Frames - Second Pair||20% Off||10% - 50% Off||20% Off|
|Contact Lenses||$150.00||10% - 20% Off||$100||$92 - $115|
|Lasik||$500 Savings||10% - 50% Off||40% - 55% Off||15% Off|
|UV Coating||$16.00||10% - 50% Off||$15.00||$15.00|
|Tinting||$15.00 - $17.00||10% - 50% Off||$15.00||$15.00|
|Scratch Resistance||$17.00 - $33.00||10% - 50% Off||$22.00||$15.00|
|Polycarbonate||$31.00 - 35.00||10% - 50% Off||$45.00||$40.00|
|Anti-Reflective||$41.00 - $85.00||10% - 50% Off||$42.00||$45.00|
|Progressive||$55.00||10% - 50% Off||$190.00||$65.00|
|Other Options||20% Off||10% - 50% Off||20% Off|
|Exams||12 Months||Unlimited||12 Months||12 Months|
|Frames||12 Months||Unlimited||12 Months||24 Months|
|Contact Lenses||12 Months||Unlimited||12 Months||12 Months|
|Approx. Eye Exam Locations||30,000+||12,000+||1,000+||12,000+|
|Online Member Portal|
|Mobile App||Mobile Site|