Every year, over a hundred people need glasses or contact lenses to see well and live their daily lives. Just as there is insurance for almost everything, you can select from the many vision insurance options to help lessen the costs of glasses and contacts on your finances. There are different vision insurance companies you can choose from, but what are the best vision insurance companies?
Vision insurance companies offer coverage for glasses frames, eye tests, glasses lenses, and contacts. Health insurance does not cover vision coverage plans, but eye care may require medical attention for your overall health. Vision insurance can be gotten at a much cheaper rate than other types of insurance coverage.
There are different vision insurance companies you can purchase health insurance. Some of these vision insurance companies offer low-cost vision insurance coverage plans, a frame and contacts allowance, and the best overall coverage along with their insurance policies.
What is Vision Insurance?
Vision insurance covers various vision services, including eye exams, glasses, and contact lenses, and may additionally offer discounted rates on procedures like LASIK surgery. It is however not part of health insurance; instead, it is a separate insurance you will need to purchase. This insurance coverage can be gotten from health insurance companies that offer it. Sometimes, vision insurance may be part of the employee benefits package given by your employer.
What Does Vision Insurance Cover?
Vision insurance covers yearly eye exams and covers payments for glasses once each year. The following are services and products that vision insurance covers.
- Annual glasses allowance.
- Lens enhancements such as UV protection, anti-glare, and others.
- Glasses and contact lenses are discounted.
- Yearly eye exams.
- Contact lens allowance.
- Also, trifocals and bifocals.
All these are covered under vision health insurance, and they can be purchased from the best vision insurance companies.
What Does Vision Insurance Not Cover?
Lesser surgeries done to correct vision are not covered by vision insurance. Surgeries like LASIK and photorefractive keratectomy are considered elective surgeries. Discounts are often provided on vision insurance policies, depending on the location where the service is rendered.
Best Vision Insurance Companies
The best vision insurance company you should consider buying policies from is Vision Service Plan (VSP) Insurance Company. This company offers insurance coverage across 50 states and over 40,000 insurance providers. Aside from this vision insurance company, there are other vision insurance companies from which you can purchase vision insurance. Some of these companies include:
Anthem
This insurance company offers outstanding monthly rates for vision insurance. Anthem’s blue-view vision offers bountiful benefits, which include a frame and contact allowance every year. This insurer only charges a $10 copayment for eye exams and glasses, but no copayment for contacts.
UnitedHealthcare
UnitedHealthcare offers low-cost vision insurance coverage along with generous benefits. It is a wide network provider, and it is more affordable than other insurance companies. This vision insurer offers $15 annually for contacts and a frame allowance. However, policyholders are charged a $10 copayment for eye exams and glasses but not for contacts.
EyeMed
EyeMed renders a bountiful frame and contact allowances, along with a lower copayment charged for eye exams. However, they charge a $20 copayment for trifocals, bifocals, and standard lenses, making them better than other vision insurance companies.
Vision Service Plan
This insurance company offers coverage that does not charge copayments for trifocals and bifocals. Also, it offers excellent frame allowances that can be upgraded to $230. With this insurance company, you do not need to bother making copayments on vision insurance coverage.
Factors to Consider When Searching for the Best Vision Insurance Companies
When searching for the best vision insurance companies, there are some factors you need to consider. It is advisable to compare insurers for the best insurance rates that suit your eye needs. Some of these factors include:
- Wide coverage.
- Less monthly premiums.
- Also, Partial or full coverage for yearly eye exams.
- Frames and contact lens allowances.
- Easy accessibility.
After considering these factors across different insurance companies, you are sure to find the one that fits your eye needs.
How much Vision Insurance Coverage do I Need?
The amount of vision insurance coverage you need depends on whether you wear glasses or contacts. If you want a more affordable policy on eye exam expenses, you may need to place your focus on finding the best policy that renders little to no copayments along with frames and contact allowances.