Vision Care Insurance - The Insurance
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Vision Care Insurance


Vision Care Insurance

One of the many things you can get insurance for is your eye care. Vision care insurance is relatively new and has become more common in recent years. Here’s a crash course on the basics.


What is vision care insurance?


Yearly eye exams
Glasses (with an annual limit)
Contact lenses and fitting (with an annual limit)
Glaucoma screening

Some vision plans may provide more extensive coverage (e.g., certain eye surgeries), while others may limit coverage to “reasonable and customary” charges incurred during routine eye exams. Reasonable and customary charges generally don’t include the cost of glasses and contact lenses. With some employer-sponsored vision plans, coverage may be even more narrowly limited to the medical treatment of certain eye conditions. This is rare, however.


How much does it cost?

Vision care insurance is generally available for a small, nominal annual premium, often as little as $50 a year. What’s more, your out-of-pocket cost may be even less if your employer pays all or part of the premium (as many employers do).


How does it work?



Where do you get it?

Almost everyone who has vision care insurance gets their coverage through work. Employer-sponsored vision care plans may be self-funded or self-administered plans. Vision care insurance may also be part of your employer’s group health insurance plan, or one of several options you can choose under your employer’s cafeteria benefit plan. Commonly, an employer will purchase a group vision care insurance plan through a health maintenance organization, insurance company, or other organization that offers such plans.

Individual vision care policies are not typically available because they’re generally not cost effective from an insurer’s


Who should have it?

Anyone who has access to employer-sponsored vision care insurance should take advantage of it, because the benefits outweigh the minimal cost. If you don’t have coverage and have no vision problems, you should probably just go without vision care insurance and “pay as you go” for annual eye exams. However, if your vision expenses are relatively high (e.g., glasses, contacts) and you don’t have employer coverage, you may want to look into other ways of obtaining vision care insurance.

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