It's important to review individual policies carefully to truly understand what your vision insurance covers. However, most eye insurance plans cover the cost of:
- Routine eye care, such as annual eye exams
- Preventive care
- Allowance for prescription eyewear if necessary
Depending on the type of policy you have, you will typically have to pay at least a portion of the cost for eyeglasses and contact lenses.
LASIK, PRK, and other vision correction surgery have become more mainstream over the past several years. Therefore, some vision insurance will also cover part of the cost or provide a discount for these services.
If you have an eye disease or chronic condition, you will probably receive care under your medical insurance, not your vision insurance. For example, cataracts, glaucoma, and other eye diseases typically do not fall under vision insurance. Instead, you would file a claim with your health insurance company.