Vision Coverage
What is Vision Coverage?
Vision coverage is a type of health insurance that pays for certain eye care services. It can include exams and prescription eyeglasses, but not contacts or other types of corrective lenses.
There are two types of vision plans: employer-sponsored and individual/family plans. Employer-sponsored plans are offered by employers to their employees as part of their benefits package, while individual/family plans are purchased by individuals on their own or families through an agent or broker (in some cases).
What is Vision Insurance?
Vision insurance is a type of health coverage that pays for eye care services. It can be purchased through your employer or purchased directly from an insurance company. When you purchase vision insurance, it's important to understand what is covered by your plan and how much it will cost you each month.
There are several different types of vision plans:
- Basic - A basic plan covers routine exams, such as a comprehensive exam or annual checkup. It also covers exams if you have a problem with one or both eyes that needs treatment (like glaucoma).
- Comprehensive - A comprehensive plan includes everything in a basic plan but also includes some non-routine services like laser surgery and contact lenses fitting fees. Some employers offer both types at different costs so employees can choose which one best fits their needs based on coverage versus price point per month.
What Are the Different Types of Vision Coverage?
There are three main types of vision coverage: employer-sponsored, individual and Medicare.
Employer-sponsored vision plans are offered by your employer as part of the benefits package. These plans may be an option if you're covered through your spouse's or partner's job. If you have an individual policy, it will likely include a deductible before any coverage kicks in (and possibly co-pays). Medicare does not cover routine eye exams or glasses/contact lenses; however, it does provide some limited coverage for certain diagnoses such as cataracts or glaucoma surgery.
What Are the Different Types of Vision Insurance?
There are several types of vision insurance. The most common type is medical vision insurance, which provides coverage for eye exams and glasses or contact lenses. Discount vision plans are another option for people who don't need a lot of services but want to save money on their monthly premiums. These plans usually offer discounts on glasses and contact lenses but don't include exam coverage or other benefits like prescription sunglasses or treatment for eye conditions like glaucoma or cataracts.
Discount cards offer even more limited benefits than discount plans; they're essentially just coupons that can be used at certain retailers' locations to get discounts on certain items (like eyeglasses). They're not considered true health care coverage because they don't provide any protection against unexpected expenses that may arise during treatment--for example, if you break an expensive pair of designer frames while wearing them outside the house!
What Does Vision Coverage Cover?
If you're looking for a new job, chances are that your employer will ask for proof of health insurance. If you're not currently covered by an employer-sponsored plan, or if your vision coverage is through Medicare or Medicaid, then this can be a stressful situation. But there's no need to worry: Vision insurance plans are available that can help cover the cost of glasses and contact lenses as well as eye exams and treatment for eye diseases such as glaucoma and cataracts.
Many people assume that their health insurance already covers their eyesight needs--but that's often not the case! Most standard medical plans only provide limited coverage for eye exams (if any), glasses or contacts ($200-$250 per year), prescription medications ($50-$100 per year) and treatment for certain conditions like glaucoma ($50-$100 per year). If these items aren't covered by your current plan then it might be worth considering getting supplemental vision insurance instead so that you have complete peace of mind when it comes time to visit an optometrist or ophthalmologist every few years.*
Free & Affordable Plans
Freed Insure helps eligible Americans get access to free and affordable health insurance. We understand that health care can be expensive, especially for families and college students operating on a low income, and we're here to help alleviate that burden.
