Getting the corrective lenses you need to see clearly is crucial, but if you’ve ever gone to the eye doctor and had to pay for it all out of pocket, you know how expensive exams, glasses, and contacts can be. And the high cost might hold you back from seeing the doctor as often as you should.
The bad news: your medical insurance probably doesn’t cover routine eye exams or corrective lenses.
The good news: the solution is simple! Just enroll in affordable and comprehensive vision insurance.
Overview
What Is the Best Vision Insurance? 4 Companies to Consider
VSP Insurance
Direct Vision Insurance
Spirit Dental & Vision Insurance
EyeMed
What Should You Look For in the Best Vision Plans?
What Is the Cost of Eye Insurance?
Direct Benefits Marketplace Can Help You Shop for Vision Insurance
What is the best vision Insurance? 4 companies to consider
One of the most well-known vision insurance companies is VSP. Plan options include those with low premiums, same-day enrollment, and discounts on LASIK. But it doesn’t end there, as this insurer also helps you save on glasses and contact lenses. You might be able to save on lens enhancements as well. Plus, eye exams are covered, and you have a large network of doctors to choose from. But how much does a VSP plan cost? Individual plans start at around $13 per month.
2. Direct Vision Insurance
With Direct Vision, you might be able to find a plan that suits your needs and comes with the low price that fits your budget. In fact, monthly premiums might be less than $10. Benefits may include 100% coverage for annual exams, no waiting periods, and discounts for LASIK, along with savings on glasses, contacts, and prescription sunglasses. Plus, you might get up to a $150 allowance for frames or contact lenses.
3. Spirit Dental and Vision Insurance
Shopping for the best dental and vision insurance at the same time? Then check out Spirit! They offer a variety of dental plans, but you can add on vision coverage for as little as $7 per month. Plus, deductibles are low, so you don’t need to break the bank to access quality care. Once enrolled, this coverage can help you save money when you need an eye exam, glasses, or contacts.
4. EyeMed
EyeMed offers plans for individuals and families, and you may be able to find options that start at around $5 per month. Depending on the plan you go with, you might reap the benefits of discounts, covered allowances, or copays that help lower the cost of exams, glasses, and contacts. Plus, you can choose from a large network of eye doctors, online providers, and optical retailers.
What should you look for in the best vision plans?
The best eye vision plans can help cover the cost of eye exams, frames, lenses, contacts, and LASIK. But not all policies are created equal, so it’s wise to look into the details carefully before signing up.
As you browse the plans available in your area, consider the out-of-pocket costs. These include premiums, copays, and deductibles. Also, keep in mind that not all products and services may be covered at 100%. There might be limits on coverage or exclusions that aren’t covered at all. For example, even though an annual eye exam might be covered entirely, you might need to pay a portion of the cost of glasses or contact lenses, or there might be restrictions on how often you can get new frames or contacts.
When shopping for any type of insurance, it’s also important to look into a company’s network of doctors. Typically, you need to stay in-network to get the most coverage, but some insurers might give you benefits even if you go out-of-network. So, if you want to stick with a particular doctor, you might want to ask them which insurers they work with.
What is the cost of eye insurance?
If you’re worried about how much this type of insurance will cost, rest assured that it can be super affordable, even for those on a tight budget. This means you don’t need to sacrifice having the best eye insurance that will give you peace of mind and help you save money.
Whether you’re looking for the best vision insurance for LASIK or the best vision plan for contacts, the ideal policy is out there, and it probably isn’t as expensive as you might imagine.
Of course, prices and benefits will vary from one insurer to another, and costs might depend on factors like where you’re located. For example, you might be able to find a basic vision plan that’s less than $15 per month. Plans that cover more will be pricier, of course, but they may still be less than $50 per month.
Direct Benefits Marketplace can help you shop for vision insurance
Finding the best vision insurance providers in your area can be difficult. Simplify things by using the Direct Benefits Marketplace! We can help you compare plans to figure out which vision insurance is the right choice for yourself and your family. And once you’ve found the policy that suits your needs, you can sign up immediately, so you won’t need to delay getting the coverage you want.