When choosing vision insurance, it’s important to compare coverage and cost. Consider things like monthly premiums, out-of-pocket costs and network options. Also, look for a plan that covers the services you need, such as annual exams and glasses. Make sure the policy you choose has no waiting periods or other terms that could add up to costly surprises down the road.
Many health insurance companies offer vision insurance as a separate option or as part of their primary insurance product. However, if you don’t have access to a health insurance company with a vision policy, you can still get coverage by purchasing a vision “rider” or a standalone vision plan. These policies usually come with an open enrollment period that occurs near the end of each year.
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Most vision insurance plans provide for one eye exam and a pair of glasses per year. They may cover additional services such as lens enhancements and progressive upgrades, but these are typically considered medical care and fall under the purview of your primary health insurance provider.
Some vision insurance plans, such as VSP, offer an extensive network of optometrists and optical retailers. This makes it easy to find a doctor nearby and get the eye care you need quickly. Others, such as Ameritas, allow you to select which vision care networks you want to use, giving you the freedom to customize your experience. This flexibility can be helpful if you often visit out-of-network eye care providers for convenience or for better prices on services.
