Independent Vision
Insurance Plans
Vision insurance plans for
individuals and families
If you currently lack vision insurance or are seeking a vision plan that goes beyond your employer's offerings, consider individual or family vision insurance. These plans provide affordable coverage for expenses related to glasses, contact lenses, eye exams, and other routine vision care for you and your loved ones.
Get treatment from
qualified eye doctors
Save money on
your eye care
Choose benefit plans
to suit your needs
It's essential to note that standard health insurance typically does not include coverage for vision or dental care. Therefore, it's crucial to consider adding separate policies to ensure you have comprehensive coverage for your eye and dental care needs.
Maintaining your eye health
You're absolutely right. Regular, comprehensive eye exams are crucial for maintaining good vision and overall health. Not only can they help detect vision problems early, but they can also uncover underlying medical conditions. Annual eye exams are a proactive approach to ensure your eyes remain healthy, and any issues are addressed promptly.
Save money with vision insurance coverage
Having vision insurance can indeed help you manage the costs of necessary eye care and corrective lenses. Routine eye exams, eyeglasses, and contact lenses can become quite expensive without the right coverage. A professional agent can provide you with guidance and options to choose the best vision insurance plan for your specific needs, ensuring that you receive the necessary care without breaking the bank.
Discover the right vision plan for you
Vision insurance options typically come in two forms: as an add-on to your health insurance plan or as a separate, stand-alone policy that provides more extensive coverage for vision care. Add-on vision packages that come with your health plan usually involve a copayment for specific vision services and products, while ancillary plans offer broader coverage for vision care at a more budget-friendly price, often in the form of discounts on various vision services. Both types of plans typically involve deductibles and offer cost savings when you visit an in-network eye doctor.
What is covered under an
annual eye exam?
Independent vision insurance plans typically cover annual routine eye exams conducted by ophthalmologists or optometrists. You have the flexibility to choose from a variety of eye care providers, including those affiliated with retail chains, optical chains, or private offices, as long as the provider is in-network with your plan.
A routine eye exam may encompass a range of assessments, such as a distance vision test, eye movement test, refraction test, color blindness test, slit-lamp examination, eye pressure test, and a dilated exam. However, it's important to note that a routine eye exam generally does not include a contact lens fitting and examination, which is typically conducted separately to assess the impact of contact lenses on your eyes.
Annual eye exams, typically recommended every one to two years, play a vital role in preventive health by addressing common eye issues like vision problems, cataracts, and glaucoma. For individuals who have undergone eye procedures such as LASIK surgery or those with chronic conditions like diabetes that can affect their vision, annual eye exams are even more crucial.
Is LASIK surgery covered by vision insurance?
LASIK surgery is typically considered an elective procedure, and as such, many insurance plans do not cover its cost. This makes it advantageous to select a vision insurance plan that provides discounts on approved vision services. With the appropriate vision insurance, you may be able to reduce the expenses associated with LASIK surgery, helping to make this elective procedure more affordable.
What does it cost for individual
vision insurance?
The cost of your vision insurance is influenced by various factors, including the extent of coverage you choose and the number of individuals covered by the policy. While basic coverage is typically more affordable, comprehensive eye insurance can also be reasonably priced, with many plans starting at less than $10 per month. I'm here to assist you in identifying the right coverage for your needs and finding an affordable policy that suits you.