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Vision Insurance: How to Find the Best Deals and Coverage
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Long-term exposure to digital displays and televisions can impair vision, as can failing to rectify your vision with a stronger prescription when required.
Protecting your eyesight with regular check-ups, new glasses or even laser surgery is much easier when you take out vision insurance.
Vision insurance assists in covering the cost of eye care, including routine eye exams, prescription spectacles, and contact lenses. LASIK corrective surgery may also be discounted under certain vision insurance policies. There are two primary vision coverage categories. These are vision insurance, comparable to regular health insurance, and a vision discount policy or plan.
Coverage for vision insurance differs by plan. Various vision insurance companies cover the cost of an annual eye exam when it is performed by a provider in their network. These policies may also provide assistance with the cost of spectacles and contact lenses, up to an annual maximum. In comparison, discount plans offer money off your eye care, they don’t cover all the costs, but can make buying glasses, contacts and corrective surgery somewhat cheaper than it might have been without a plan. Compare these outstanding deals here on vision insurance and start seeing life clearer for cheaper in 2023.
Long-term exposure to digital displays and televisions can impair vision, as can failing to rectify your vision with a stronger prescription when required.
Protecting your eyesight with regular check-ups, new glasses or even laser surgery is much easier when you take out vision insurance.
Vision insurance assists in covering the cost of eye care, including routine eye exams, prescription spectacles, and contact lenses. LASIK corrective surgery may also be discounted under certain vision insurance policies. There are two primary vision coverage categories. These are vision insurance, comparable to regular health insurance, and a vision discount policy or plan.
Coverage for vision insurance differs by plan. Various vision insurance companies cover the cost of an annual eye exam when it is performed by a provider in their network. These policies may also provide assistance with the cost of spectacles and contact lenses, up to an annual maximum. In comparison, discount plans offer money off your eye care, they don’t cover all the costs, but can make buying glasses, contacts and corrective surgery somewhat cheaper than it might have been without a plan. Compare these outstanding deals here on vision insurance and start seeing life clearer for cheaper in 2023.
VSP Vision Care is the Largest Eye Care Insurance Provider in the United States
Vision Service Plan (VSP) was founded in 1955 by a group of optometrists and has since expanded to include over 88 million members and 40,000 network physicians globally. VSP has thousands of private practices and over 700 locations in the United States at present.
VSP provides four distinct plan categories. They are known as Standard, EasyOptions, Enhanced, and EyewearOnly120. Standard plan monthly premiums begin around $13, with a $15 co-payment for eye exams and a $150 allowance for new frames or contacts. Although LASIK is not covered, you can receive a discount coupon for an average of $1,000 off the cost of your procedure.
Your lenses can be upgraded to include scratch-resistant and anti-glare compounds, progressive lenses, and UV protection. VSP also offers discounts and resources to those with diabetes, as people with this condition frequently experience vision loss.
VSP highlights:
• Largest vision insurer in the US.
• Monthly premiums start at $13
• No waiting period
• Helpful online plan wizard
EyeMed Basic Plans Start at Just $5 Per Month and Boasts Over 100,000 Network Providers
EyeMed was established in 1988 in Cincinnati and has over 62 million members. Its programs are compatible with prominent providers like Pearle Vision, LensCrafters, and Target Optical. EyeMed offers three categories of insurance; the higher the premium, the greater the discount on frames and lenses. There is no waiting period and each plan covers the eye exam and provides substantial discounts on spectacles and contacts.
The most basic plan, EyeMed Healthy, costs $5 per month and only provides coupons for discounts on spectacles and contacts. Plans called EyeMed Bold and EyeMed Bright, with monthly premiums of $17.50 and $30, respectively, offer superior benefits. These programs provide a frame and lens allowance rather than a coupon. With a co-payment, you also pay for lens enhancements such as UV protection.
When you visit one of EyeMed’s more than one hundred thousand in-network providers, you can receive a 15% discount coupon for LASIK, 20% off the balance of frames over $150, and 40% off additional pairs of spectacles.
EyeMed highlights:
• Wide network of providers
• Premiums start at $5 a month
• No waiting period
Humana Offers Comprehensive Vision Insurance and Plans at Affordable Discount Prices
Humana was founded in 1961 in Louisville, Kentucky, and is the nation’s largest hospital owner and operator. Additionally, Humana has a foundation that provides disaster relief and supports Louisville-based health organizations.
Humana offers three vision plan options: HumanaOne Vision Focus Plan, Humana Vision PLUS, and a materials-only option in conjunction with other medical coverage. Costs and alternatives for coverage differ by state, with the majority of plans beginning between $13 and $16 per month. There is a $35 initiation fee levied the first month of enrollment, but this fee is waived when dental insurance is included.
The Humana plans cover an annual vision exam with a $10 to $15 co-payment. The HumanaOne Vision Focus Plan provides $115 for contact lenses, while the Humana Vision PLUS plan provides $200. Both plans stipulate that you will never pay more than $40 for an annual eye exam, though with Vision PLUS, there is no annual deductible.
Humana highlights:
• Allowance for contact lenses
• No annual deductibles with Vision PLUS
• Only $15 co-pay on annual vision exam for glasses
UnitedHealthcare Offers a Massive 40% Discount on LASIK Eye Surgery
UnitedHealthcare is one of the nation’s largest healthcare providers, with over 75 years of experience serving over 46 million individuals. It has an impressive network of 1,300,000 physicians.
Plan A and Plan B are UnitedHealthcare’s two comprehensive vision plans. Plan A is for individuals who wear either spectacles or contacts, while Plan B is for those who wear both. Plan A premiums begin at $10.40 per month, while Plan B premiums begin at $14.30 per month. Neither plan requires a waiting period. Both plans include co payments of $10 for vision exams, $10 for lenses, a $150 allowance for in-network frames, and no co-payment for contact lenses.
UnitedHealthcare highlights:
• Available in 44 states and Washington, DC.
• Coupon for 40% off LASIK
