Is It Worth Paying for Vision Insurance?
Posted: September 25, 2024
Many people have different priorities regarding vision insurance coverage, which ultimately can influence whether it is worth it to them. Take a look at our guide on vision insurance below to make an informed decision that fits your specific health needs.
What Is Vision Insurance and What Can It Cover?
Vision insurance is a plan that helps you cover the costs of eye-related care, which can range from routine eye exams to prescription glasses and contacts. Some insurance plans offer discounts for corrective eye surgeries or provide allowances to lower the out-of-pocket cost.
Similar to health insurance, vision insurance usually requires a deductible, copay and premium. This plan’s premiums are often much less expensive than those for health insurance.
Cost of Vision Insurance
You can purchase vision insurance through your employer or an insurance provider. The cost of vision insurance can range anywhere from $5 to $30 a month, depending on:
- What benefits are included
- Your age
- The number of people on your plan
- Your geographical location
Advantages of Vision Insurance
Vision insurance comes with several benefits that are appealing to individuals and their families, including:
- Covering or cutting costs: Vision insurance can cover or cut the costs of expensive eye exams and medical care. You can also save on eyeglasses, contacts and vision correction surgery with these plans.
- Encouraging preventive measures: Having vision insurance coverage encourages individuals to visit the eye doctor annually. These general appointments can help catch eye health issues early or provide an updated prescription.
- Fitting many budgets: Vision insurance costs vary, allowing each individual or family to find a plan that fits their needs and budget.
Limitations of Vision Insurance
When deciding whether vision insurance is worth it for you, understanding its limitations on how much it can cover and how often is important. Here are some standard exclusions:
- Nonprescription glasses
- Prescription glasses or contacts beyond basic options
- More than one annual appointment
- Frames, contacts or procedural costs beyond the allowance
- Major surgeries — often covered by health insurance instead
Get a Quote From Health for California Today
Vision insurance can help you afford regular eye care but is not required, so the final decision is up to you. At Health for California, we can enable you to find a vision insurance plan that meets your needs and coverage goals. We partner with VSP and EyeMed to help Californians find and afford vision care. Get your free quote today!