As you get older, it’s normal to notice some changes in your vision. Even if you never had to wear glasses or contact lenses in the past, you might need them in your senior years. Unfortunately, they can be expensive. And when you’re on a fixed budget, it may be difficult to cover the cost of vision exams and corrective lenses.
There’s no need to sacrifice quality vision care at any time in your life, including in your golden years. The right vision insurance can help ensure you’ll be able to see clearly without breaking the bank.
Overview
What Is the best vision insurance for seniors
Direct Vision Insurance
VSP Insurance
Spirit Dental & Vision Insurance
What is the best vision insurance for seniors on Medicare?
Does Medicare cover any eye care?
Find vision insurance on the Direct Benefits Marketplace
What is the best vision insurance for seniors?
1. Direct Vision Insurance
Direct Vision is a vision insurance company that offers plans with low premiums, so it can be a good place to start.
Plans may cover annual exams at 100%, so you can stay on top of your vision without needing to worry about cost. And because you may not have to deal with any waiting periods, you can book your appointment right away after enrollment.
Other benefits may include high allowances for frames and contacts, as well as discounts for prescription sunglasses and LASIK.
2. VSP
VSP is another popular option in the world of vision insurance for retirees and seniors. You may be able to enroll in a plan that’s customized to suit your needs, and you might be pleasantly surprised by how low the monthly premium is.
Plan features might include same-day enrollment, savings on glasses and contacts, and coverage for comprehensive eye exams. Plus, you may receive discounts on LASIK and savings on lens enhancements.
Although you aren’t required to choose an in-network eye doctor, you can get the most savings by doing so, and the good news is VSP has a large network.
3. Spirit Dental and Vision Insurance
Spirit is a smart choice when you’re searching for the best dental and vision insurance for seniors. This is a convenient option because you can affordably add vision coverage to your dental plan. A healthy smile and clear vision—who wouldn’t want that?
The add-on vision coverage that Spirit offers is through the EyeMed Vision Care Network. It may help you save money on eye exams, eyewear, and lenses. And you might be able to get it all for just $7 per month.
With this insurance, there may be low deductibles (once annually or once every two years) for exams, glasses, and contact lenses.
What is the best vision insurance for seniors on Medicare?
If you’re planning on enrolling in Medicare, you might have questions regarding what will be covered when it comes to vision care. Below are some answers to a few FAQs.
Does Medicare cover any eye care?
Original Medicare (Part A and Part B) might help cover the cost of eye care that’s related to a medical problem. For instance, if you’ve injured your eye or have a condition (such as glaucoma, macular degeneration, or cataracts) that needs to be treated, Medicare might provide support.
In other words, Medicare may step in if you have a medical reason to have your eyes examined and treated. Example: you’re experiencing symptoms and need to have a doctor check and diagnose your eyes. Or, if you have a medical reason for needing glasses or contacts, such as after cataract surgery, Medicare might help.
Also, if you’ve been diagnosed with a condition that could affect the eyes (e.g. diabetes), Medicare might help cover the cost of having your eyes examined regularly to stay on top of changes. And if you’re at a high risk of developing a condition, such as glaucoma, you might be able to get coverage from Medicare in that case as well.
However, routine eye exams, glasses, and contact lenses typically won’t be covered by Original Medicare.
What Medicare plan covers vision? Are stand-alone plans also an option?
For extra vision coverage that can help cover the cost of routine eye exams and corrective lenses, check out Medicare Advantage (Part C) plans. This might help fill the gap left behind by Original Medicare.
If that still leaves you wanting more, rest assured that you can find stand-alone plans too. In fact, you might be able to find the best dental, vision, and hearing insurance for seniors by going directly to the insurers in your area and asking about their plans.
Find Vision Insurance on the Direct Benefits Marketplace
Are you ready to shop for vision insurance but you aren’t sure where to begin? Direct Benefits Marketplace can streamline the process of finding and purchasing the right insurance for your needs. You can uncover the policies available in your area quickly and easily. Then, you can compare plans, select one, and begin the enrollment process. Get started now so you won’t need to go another day without this valuable coverage. What is the cost of eye insurance?