Vison Insurance

Vision insurance is not typically not included in your health insurance plan and can include benefits such as preventive eye exams and ophthalmologist visits, prescription eyewear, and contact lenses. Vision insurance also may give you discounts on elective vision corrective surgery.

Vision insurance is a wellness plan designed to offset the costs of routine checkups (eye exams) and prescription eyeglasses and contact lenses. Vision insurance plan costs typically range from $15-$30 per month for a single person.

Vision insurance premiums vary depending on your provider, location, and plan. Basic plans are generally affordable, but prices rise as you add coverage. For instance, VSP, the nation's largest private vision insurance provider, offers a Standard plan starting at $204 annually for individuals or $529.92 for families and an Enhanced plan starting at $423.84 annually for individuals and $1,101 for families. As with health insurance, plans that cover more of your costs generally have higher premiums. For instance, both VSP plans offer exams for a $15 copay, basic eyeglass lenses for a $25 copay, and a frame or contact lens allowance of $150. The amount you pay out of pocket for enhancements to your eyeglasses is capped. Under the Standard plan, you pay a maximum of $33 for scratch-resistant lenses and $175 for progressive lenses. With the Enhanced plan, you pay nothing for scratch-resistant lenses and a maximum of $55 for progressive lenses.

It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.