Whether you currently have vision insurance or you’re looking into purchasing vision insurance, you probably have questions on what it covers, if it’s worth the cost, and more. eHealth can help walk you through all the questions you might have and, if you’re ready, help you find a vision insurance plan that’s right for you.

What appointments, procedures, and prescriptions are generally covered by vision insurance?

You can expect vision insurance to cover all or a portions of the cost for things like:

• Routine preventative eye care (eye exams)
• Prescription eyewear
• Sometimes elective vision correction surgery, like LASIK and PRK

Unlike major medical insurance policies that may provide unlimited coverage after co-pays or deductibles are met, you cannot expect this with most vision plans. Most vision plans are discount plans or wellness benefit plans and will provide specific benefits and discounts for an annual premium.

If you have an eye disease, you can usually find coverage under a major medical condition. For instance, if you have eye complications from something like diabetes, high blood pressure, or cataracts, then your health insurance plan would cover the treatment.

How much does vision insurance cost?

You can buy vision insurance through eHealth starting at $6.99/month.

According to Investopedia, you can expect to pay between $5 – $15/month for vision insurance. This does not include any cost sharing payments you may be expected to pay, like copays or deductibles.

Does vision insurance cover contacts?

Most vision insurance will give you an allowance toward contacts or glasses. The allowance or discount you receive for contact lenses will depend on the plan you choose.

You may also only receive coverage for contacts if you buy through certain retailers depending on your plan. You may also receive an extra discount if you buy through particular retailers or buy a certain brand.

Does vision insurance cover glasses?

Most vision insurance plans will give you an allowance towards contacts or glasses. This allowance or discount may vary depending on the plan you have.

You may also receive coverage for contacts or glasses if you buy through certain retailers. You may also receive an extra discount if you purchase from certain brands or retailers.

Does vision insurance cover lasik?

Vision insurance may offer coverage for LASIK or PRK. Odds are your vision plan may not cover the full cost, but they may offer discounts for these procedures or cover a portion of the cost.

Does vision insurance cover sunglasses?

Similarly to vision insurance’s coverage of regular reading glasses, vision insurance may cover some portion of the price of prescription lenses for sunglasses as well. The amount of a discount or the allowance you receive will vary from plan to plan.

Who is vision insurance right for?

Vision insurance is a good idea for anyone who requires glasses or contacts, or may need them in the future.

It’s a good idea to get vision insurance so that yearly preventative care is covered. This can help not only get you glasses or contacts when you need them, but help diagnose any eye disease early.

Vision insurance comes at a fairly low-cost per month, making it a good idea to have just in case.

Is vision insurance worth it?

Unlike your health insurance, which you may hope to never use for anything serious, vision insurance is different.

These plans help you keep up on your eye health at a low-cost and offer discounts for regular maintenance – like glasses and contacts. These plans are absolutely worth having.

How do you buy vision insurance?

Unlike major medical insurance, you can sign up for vision insurance anytime throughout the year.

eHealth is here to help you find the right vision insurance plan for your needs, with plans starting as low as $6.99/month. As the first and largest online health insurance brokerage, eHealth’s team of licensed agents can help you find compare all of your vision insurance options and find the perfect plan for your budget and needs.

We’re here to be your ally when it comes to finding the right health insurance as well as vision coverage. Shop with us and let’s find the right plan for you, together.