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Is vision insurance worth the cost?

If you don’t wear glasses or contacts, you may think you don’t need vision insurance. But think again. Many vision plans cover the full cost of an annual eye exam. While it’s important to get regular eyesight assessments, comprehensive eye exams aren’t just for getting prescriptions for corrective lenses. There is also a chance for your eye doctor to catch early signs of diseases.

What is vision insurance, and what does it cover?

Typically, vision insurance can help cover costs for preventive care and prescription eyewear like glasses or contacts. The products and services covered by insurance and the costs may differ between companies and plans.

How much do vision insurance plans cost?

If you get vision insurance through an employer, you could expect to pay a premium. In addition to monthly premiums, you may have other costs associated with your plan, such as a copay for eye exams.

How much could you save with vision insurance?

Most vision plans will help cover costs for routine eye exams and prescription eyewear. How much you save with insurance will depend on your purchases throughout the year and you or your family’s vision needs.

Who needs vision insurance?

Practically everyone could benefit from having vision insurance, whether or not they need glasses or contacts. Vision coverage options like Humana vision plans could help individuals and families save on routine eye care and prescription eyewear.

Individuals who want regular eye exams

Even if you don’t currently have any eye problems, your healthcare provider might recommend getting an eye exam once every 2 years. Once you turn 40, it’s a good idea to get your eyes checked annually or at least every 2 years. Regular exams can help you catch early signs of eye problems like glaucoma, cataracts or age-related macular degeneration.1 Many vision plans include coverage for preventive eye care services such as an annual comprehensive exam.

Individuals who wear glasses or contact lenses

If you wear corrective eyewear, you may benefit from vision insurance. Most vision plans offer coverage for eye exams that can help you get an accurate prescription for ordering glasses or contacts online or from your eye doctor’s office.

Some vision plans also include coverage for the cost of prescription lenses and frames or contacts, as well as allowances for lens upgrades like scratch-resistant coatings.

Individuals who have a family history of eye conditions

Many eye diseases and health risks to your vision are connected to your genes. If you have a family history of glaucoma, diabetic eye disease or cataracts, it may be a good idea to get vision insurance coverage. Detecting a problem early through routine exams can help your eye doctor treat a condition and prevent vision loss.2

Families

You may start to notice more vision problems as you get older, but children need regular eye care, too. Kids typically start to get regular eye exams before starting kindergarten.3 Vision insurance plans for families could help you save on routine preventive care, as well as on frames or lenses if your child needs glasses.

Protect your vision

Even if you don’t need glasses or contacts, it might be a good idea to get a vision insurance plan. Most vision plans can help cover routine eye exams, and some plans include coverage or allowances for frames and corrective lenses.

Sources

  1. “How Often Should I Get My Eyes Checked?” WebMD, last accessed April 18, 2022, https://www.webmd.com/eye-health/what-to-expect-checkup-eye-exam-adults.
  2. “Eye exam” May Clinic, last accessed April 19, 2022, https://www.mayoclinic.org/tests-procedures/eye-exam/about/pac-20384655.
  3. “Eye exam.”
Limes

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