What Do Most Vision Insurance Plans Cover?

What Do Most Vision Insurance Plans Cover?

You might want to disregard vision insurance if you own a health insurance plan. But you shouldn’t, as most health insurance policies only cover eye care when connected to a significant medical condition.

Vision insurance provides coverage for eye-related issues and eye care. You can purchase vision insurance as an individual, family, or for your organization. Each option offers the same coverage and is available for 12 or 24 months, depending on your agreement with your insurer. 

This article discusses what most vision insurance plans cover. It also examines what vision insurance does not cover. 

Different Coverage Provided By Vision Insurance 

If you buy vision insurance, it will cover the following:

Annual Eye Exams 

Even if you have 20/20 vision and no history of eye disease in your family, you should go for an annual eye exam. The tests check the state of your eyes and help to detect problems before they worsen. Your vision insurance plan will cover the eye examination, but make sure it is comprehensive, and not only for basic tests. 

Eyeglass Lenses 

According to the American Academy of Ophthalmology, at least 150 million people in the US use one or more corrective eyeglasses to correct refractive errors. You need eyeglasses if you have a blurry or distorted vision, eye strain, headaches, etc. Thankfully, vision insurance covers all types of eyeglass lenses. 


The glass frame is the structure surrounding the lenses of your glass, and it makes the eyeglass rest comfortably in front of your eyes. While a frame seems like nothing more than a skeleton, it can cost hundreds of dollars. The money can quickly add up, especially if you want to wear different styles and are active (necessitiating the need for special frames), hence the need for vision insurance. 

Contact Lenses/Lens Fittings

Not everyone wants to wear eyeglasses; some prefer contact lenses. However, contact lenses are costly, and if you opt for the variety that must be changed frequently, the money can make a small dent in your pocket. In such a case, purchasing a vision insurance plan can go a long way in easing your financial burden.

What Does Vision Insurance Not Cover? 

Vision insurance does not cover eye surgeries resulting from existing medical conditions. It will also not pay for experimental care and elective surgeries like Lasik. However, there might be other exceptions depending on your insurance provider.

In summary, vision insurance makes it easier to pay for your eye care and other eye needs. When you fill out our quote form, we will send you different plans based on your condition. Click here for inquiries about our services.