Sunday, April 21, 2024

Best Vision Insurance For Contacts

Our Top Picks: Vision Insurance Reviews

Best Vision Insurance? See the differences between VSP, EyeMed, Spectera, and Davis Vision.

In 2017, 3.7 million adults from the ages of 21 to 64 years had some type of visual disability. However, unbeknownst to many, vision care is not actually included in most private insurance plans, unless it happens to be provided by an employer. Whats more, depending on your prescription, you could be spending hundreds of dollars a year for vision care. Because of this, we’ve compiled a list of some of the best vision insurance companies on the market so you can assess what plans better suit your needs.

How Much Does Vision Insurance Cost

We found that monthly premiums for vision insurance started at around $9 a month for basic plans. These policies entitle you to an annual eye exam and an allowance for glasses or contact lenses. You also have to cover a copay, and, depending on the plan and location, you may have to meet a deductible before the policy begins to cover costs.

If you opt for a more comprehensive plan, with prices around $30 a month, youll receive a more generous allowance for eyewear and lower or zero-cost copays for eye exams.

Using Your Vision Insurance Benefits

If you purchase vision insurance, you want to get the most out of it. You want to use your benefits. Stay in touch with the company and see if they offer any discounts or extra perks. Go to your preventive care appointments and follow your doctors recommendations. By getting the most out of your vision insurance benefits you will save money in the long run.

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Is Paying For Vision Insurance Worth It

Theres no hard and fast rule, but should you find yourself in a situation where annual eye exams are recommended and other care, including glasses or contacts lenses, are needed, vision insurance can save you from significant out-of-pocket expenses. Discounts on voluntary procedures, such as LASIK, may also be included if youre considering additional treatment.

What Do I Need To Know About Out Of Network Procedures

Vision insurance accepted

Every optometrist can provide a basic eye exam. But if you need LASIK or vision therapy, there might not be a provider in your area, and you may need to use an out-of-network provider.

Even if your plan allows you to go out of network, you would likely have to pay much more. For that reason, you might be better off getting an indemnity health insurance plan or a PPO plan that provides broader out-of-network coverage.

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How Often Can I Buy Contacts Or Glasses Online With Vision Insurance

Most vision insurance plans cover new eyeglass lenses ornew contact lenses every 12 months. Frames are typically covered every 24 months.

If you already used your vision insurance to get glasses this year, you may not be able to use your vision insurance to get contacts, online or otherwise. Review your vision benefits before trying to make a purchase.

Some online retailers let you enter your vision insurance information to see what, if anything, is covered by your plan.

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Vision Insurance Company Reviews

After our evaluation, we chose the best vision insurance companies: VSP Vision Care Insurance, Humana Vision, EyeMed Vision Care, and UnitedHealthcare Golden Rule Vision Insurance. Each of these insurance providers stood out among the competition.

  • Great Provider Network
  • UnitedHealthcare simplifies choosing vision insurance with two options: Plan A and Plan B.

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Customer Support & Financial Reputation

Paying monthly or yearly for a service you can only use once every 12 or 24 months, means you should have readily available support for whatever doubts you may have. For this,its important that companies offer a solid support system for its customers, whether that be through efficient phone lines, virtual chats, or email support. We chose companies that offer at least some version of this. We also chose companies that are in solid financial standing as measured by AM Best , in order to ensure your insurance claims are effortlessly dealt with. For some of our picks, we also relied on JD Powers 2019 Vision Plan Satisfaction report to get perspective on companies’ customer support ratings.

Types Of Contact Lenses

What Is Vision Insurance?

There are a few different kinds of contact lenses available soft, hard, disposable, and more! Keep reading to find out which one might be right for you.

Soft contact lenses

Soft contact lenses are pretty comfortable to wear. They generally stay in place better and are easier to adjust than hard contact lenses. Wearing soft contact lenses does come with slight risks, though: they have a higher rate of infection and could be more expensive given they require more frequent replacements.

Disposable contacts: are designed to be worn for a short time. Theyre great for people concerned about eye infections and who suffer from allergies. They require minimal cleaning and maintenance, making these a great option for those always on the go.

Daily wear contacts: are intended to be worn during the day and removed and cleaned at night. They can also be reused until their marked discard date.

Extended wear contacts: can be worn multiple days and nights in a row before needing to clean them.

Toric contacts: are for those with astigmatism. Toric contacts can be used for daily or extended wear, depending on the kind you prefer.

Colored contacts: are daily or extended wear contacts that change the color of your eye.

Cosmetic contacts: change the look of your eye but do not correct your vision. Cosmetic contacts are a fun option for Halloween or, you know, a Monday on Zoom. Just make sure they are from an eyecare professional and FDA-approved!

Hard contact lenses

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Need Help Finding A Plan

Answer a few questions to see which insurance options may be available for you.

Footnotes

  • Primary insured must be 18 years of age or older.
  • Vision plans are administered by Spectera, Inc. 12-month initial policy term required . See plan brochure for specific information.
  • Available in most states. Additional premium required.
  • Does Insurance Cover Contact Lens Exams

    To get a prescription for contacts, youll need to see your optometrist for a contact lens exam and fitting. A contact lens exam is different from a regular eye exam. During the procedure, the optometrist will test to see if you are a good candidate for contact lenses and measure your eyes to create your prescription.2

    These procedures are sometimes covered by vision insurance, but costs will vary based on your healthcare provider or where you get the exam. Its also important to remember that the contact lens fitting is usually a separate charge from the exam itself.3

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    Vision Insurance Vs Vision Discount Plan

    A vision discount plan requires you to pay a monthly membership fee, similar to paying a monthly premium for vision insurance. Some dental discount plans include vision care discount cards. However, discount plans dont pay the eye care professional directly as insurance does. Instead, you pay the bill immediately after receiving services, but at a discounted rate. There are no copays, but you pay a one-time application fee to enroll in a vision discount plan, an expense not typically associated with buying insurance.

    Lesson

    Not all eye care professionals accept discount plans as payment, but vision insurance is likely to be accepted just about anywhere in your state within the policy limits.

    Most Comprehensive Coverage: Davis Vision

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    Davis Vision

    Davis Vision considers your eye health as part of a bigger wellness picture that includes hearing aids and diabetic programs not always covered by medical insurance.

    • Wellness and diabetic outreach program hearing aid discounts

    • Four of five major eyecare retailers in network

    • Discounts on LASIK

    • Limited LASIK coverage

    Davis Vision began as a New York-based optical laboratory in 1917. The modern-day Davis Vision was incorporated in 1964. Four out of five major eyecare retailers are part of the Davis Vision network, and you can get in-network exams and eyewear in locations across the country. It has its own collection of glasses, with pairs costing as little as $40 with a breakage warranty included. Individual plans are sold through Superior Vision. Both Davis Vision and Superior Vision are part of Versant Health.

    There are two types of plans offered by Davis Vision: Standard and Premier. The Essential plan starts at just $12.50 a month with $15 eye exams, lenses covered in full, and an allowance on frames up to $125. The Classic plan costs approximately $20.62 a month and gives you a $150 allowance on frames. The Premier plan is $22.50 a month and provides a $200 allowance on frames.

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    What Are The Largest Vision Insurance Companies

    Before we get to our review of the best vision plans for individuals, lets first take a look at the big players. The table below lists the top 10 largest eye insurance companies in the U.S.

    Theyre ranked by vision insurance market share. Weve indicated the companies that offer plans for individuals with an asterisk .

    Rank

    Benefits Of Having Vision Insurance

    There are many benefits to having vision insurance, but the biggest benefit is that it could help you save money. It can make the cost of going to the eye doctor more affordable, particularly for an annual visit or exams. Furthermore, if you wear glasses or contacts, they can be expensive out-of-pocket. Vision insurance can help you save a significant amount of money on your glasses and contacts.

    The average cost of an eye exam without insurance is around $150.

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    Tricare Coverage For Glasses And Contacts

    After examining your eyes, the doctor may give you an eye prescription for glasses or contacts if you require them. TRICARE only covers glasses or contacts for beneficiaries for conditions such as infantile glaucoma.

    However, if youre a National Guard member, retiree, or an ADSM, TRICARE will cover the cost of glasses or sunglasses needed for vision correction. TRICARE does not cover repair, cleaning or adjustments for glasses.

    How Does Vision Insurance Work

    Medicare Vision Coverage: Best Senior Vision Insurance Options

    Vision insurance works in much the same way as health insurance. A monthly premium must be paid, which covers a certain amount of the cost of services. However, there are also typically some out-of-pocket costs associated, such as copayments for office visits or glasses.

    It is essential to review the terms of a vision insurance plan before enrolling to avoid surprises when it comes time to use the benefits. However, vision plans can help offset the cost of routine eye care , making it more affordable for everyone.

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    Winner: Vsp Vision Care Direct Review

    Weve chosen VSP Vision Care Direct as the best eye insurance for individuals and families. With several plans to choose from, VSP gives you more flexibility in finding the type of coverage that fits your needs.

    Some plans are even customizable. Copays and allowances care competitive. And more than 33,000 vision care providers in all 50 states accept VSP.

    Pros

    • $25 copay for eyeglass lenses
    • $150 allowance for contact lenses

    Eyemed: Best Vision Insurance For Access To A Big Network Of Providers

    Specialist vision care insurer EyeMed is responsible for one of the largest doctor networks in vision care, and is also backed by the worlds largest eyewear company. Of course those reasons alone aren’t enough to feature it in our guide to the best vision insurance companies, but EyeMeds eye care policies are well thought out and start at very affordable premiums.

    When you get to the higher tiers it becomes pricey, but you are getting good value for money and excellent service from a trusted company. Moreover, the allowances are very generous and a host of additional discounts are available for when youve spent your allowance. We love the wide choice of payment options on offer too.

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    Top Vision Insurance Providers In Texas

    By: Smiljanic Stasha

    Health insurance is an absolute necessity, but what about vision insurance? Vision insurance plans in Texas are available as an individual policy or as a group benefit via the employer.

    Of course, you may be wondering how the cost of vision insurance compares with the kind of coverage you will get. In this article, we will answer all your questions regarding vision insurance in Texas and its importance. We will also introduce some of the best vision insurance companies in Texas, along with affordable plans you can purchase. Also, make sure to check our list of best health insurance providers in the US if you need more coverage.

    What Is The Average Cost

    Eye Exam

    A vision insurance plan can help you pay less for eye exams, glasses and contact lenses. The average policyholder saves about $270 per year with a VSP plan, the largest vision insurance provider in the United States. Lets take a look at what you might expect to pay for vision care without insurance.

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    Choosing Vision Insurance In California

    Vision insurance is used primarily for reducing the costs of eyeglasses, contacts, and eye exams. Some plans will even help cover part of the costs of LASIK surgery. Vision plan details, much like health insurance, varies with some plans covering the full cost of eye exams, while others require a copay, for example.

    Vision insurance plans commonly include coverage for annual exams, eyeglass frames and lenses, as well as contacts. Many plans have price limits for frames and contacts, while some may cover certain brands. Vision insurance coverage providers often have higher-tier plans that also include coverage for contact fitting appointment, lens protection, and even LASIK surgery.

    Choosing vision insurance in California can make a substantial difference in the overall cost of your vision care, but that is dependent on the details of the plan. Its not uncommon for two different plans with similar premium costs to offer significantly different benefits.

    Making the right vision insurance plan choice depends largely on the specific services you need today and expect to have in the future.

    While there are many factors to consider with vision insurance, there are a few major considerations that we review here.

    Should You Buy A Supplementary Vision Plan If You Already Have Vision Insurance With Your Employer

    There are a few reasons why you might want to buy supplementary vision insurance, even if you have an employer-sponsored plan.

    • The plan your employer provides may not give you the level of coverage you need. For example, if your employer only provides you with enough to buy one pair of glasses, you could benefit from getting a secondary vision insurance plan to purchase additional pairs annually. This might be particularly important if you have problems seeing both near and far but do not want bifocals.
    • You might not need the level of coverage that your employer plan provides. If youre paying for your coverage through a paycheck deduction, you might save money by unenrolling from your employers plan and self-enrolling in another.

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    Humana Vision: Best Vision Insurance On A Budget

    Humana is a big name in the health finance sector, so you can feel safe handing over your hard-earned money in return for a decent vision insurance plan. Humana is also one of the largest government contractors, and we love its policy because its one of the least complicated vision care plans weve come across. There’s even a quick quote process to give you a very speedy overview of what you might end up paying.

    Theres only one policy for individuals that costs $15.99. For this you get a yearly eye exam for $15 and a contact lens exam, should you need one, for $40. You also get a yearly allowance toward standard contact lenses or a set of eyeglass lenses with minor copay. If you dont spend out of network, this can be a simple and easy way to stay in budget while feeling confident that your vision care needs are being met.

    In addition to the benefits listed above, there are options for speciality eyeglass lenses, such as progressive bifocals and anti-scratch lenses, and potential discounts on services like Lasik eye surgery.

    What Does Vision Insurance Typically Exclude

    Our Best Vision Care Plan For Savings l Guardian Anytime

    Many companies will not fully cover what they consider elective surgery, such as LASIK. Some insurance plans offer coupons to offset the costs. Other medically necessary eye surgeries and treatments for conditions like glaucoma and cataracts will be covered only by your health insurance.

    Often, vision insurance covers only specific brands or price ranges when it comes to glasses or contacts. It’s important to understand what is covered so you aren’t disappointed and forced to change styles or brands. Other exclusions vary, depending on the cost and extensiveness of the plan. For example, some cheaper plans may cover only glasses and not contacts.

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    The Best Vision Insurance For Contact Lenses

    The best vision insurance makes it easy to get the services you need at a cost that works for your budget and comes out cheaper than paying for everything out of pocket.

    Many employers offer vision insurance as a benefit, usually at a rate that can be deducted from your paycheck. If you are self-employed or don’t have access to employer-sponsored vision insurance, a vision provider like VSP is a good option with premiums at less than $20 a month for an individual, depending on your state and plan.

    With a vision plan from Kasasa Care, the savings can be eye-opening.

    • A comprehensive exam could cost as little as $15, saving you an average of $166.

    • Prescription lenses and frames, depending on the brand you choose, can be a combined $70, saving you an average of $228.

    So if youre a contacts-wearer , its clear that a vision plan can bring you significant savings. But if youre still unsure vision insurance is worth it for you, read more about that here.

    For those looking to trade their eyeglasses in for something a little less noticeable, contacts may be for you and you dont have to break the bank for them. With a vision insurance plan from Kasasa Care and VSP, you dont even need corrective eyewear to see the savings youll receive!

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