They say eyes are the window to the soul – they can also be windows to your health and hidden medical problems. Having vision insurance coverage can help make sure you are able to receive important preventative screenings for your eyes, which help identify and prevent other health issues.
If you have vision loss or vision problem, vision insurance can also help pay for the costs associated with eyeglasses and contact lenses, including certain amounts for new lenses, frames and eye exams each year.
You can get vision insurance independently, with a standalone vision plan, or through your employer if they offer vision benefits. You typically enroll in vision insurance at the same time as your health benefits.
If you are an employer and would like to explore your vision benefit options, contact me today to set up a consultation.
Unfortunately, both Original Medicare and MediGap beneficiaries do not receive dental, vision, and hearing coverage through their Medicare plan. Additionally, Medicare Advantage plans cover very little benefit for dental, vision, and hearing (DVH) care.
Vision insurance is designed to help reduce your costs for routine preventative eye care (eye exams), medically-necessary vision treatments and prescription eyewear such as glasses and contact lenses.
While coverage varies based on your area and plan of choice, you can typically expect vision insurance to help cover:
- Regular eye exams
- Vision tests for eye glasses and contact lenses
- Frames and lenses for eyeglasses
- Contact lenses, including disposables
- Discounts on corrective surgery such as Lasik
You can typically get vision coverage for less than $50 per month for monthly premiums, sometimes as low as $5 per month, depending on your area and plan of choice.
If you have Medicare, you can typically add supplemental Dental/Vision/Hearing insurance on your regular Medicare plan for about $30 to $70 extra per month, depending on the coverage that you choose.