Vision Insurance: Everything You Need To Know From A Pro

Shawn Plummer

CEO, The Annuity Expert

Vision insurance is a type of health insurance that covers part or all of the costs of eye exams, eyeglasses, and contact lenses. It is essential to have vision insurance if you wear glasses or contacts because the cost of these items can add up quickly. This guide will discuss everything you need to know about vision care insurance! We will cover what it covers, how much it costs, and how to choose the right policy for your needs.

What Is Vision Insurance?

Vision insurance provides coverage for medical expenses related to eye care. This can include regular checkups with an ophthalmologist to prescription eyeglasses and contact lenses. The main goal of vision insurance is to help people maintain healthy eyesight. Vision plans typically cover various services, including screening tests, eyeglasses, specialty lenses, and medical procedures like cataract surgery.

In addition, many vision insurance plans also cover other healthcare services, such as preventive or urgent care visits. Ultimately, by helping to cover the costs associated with eye care, vision insurance enables people to better care for their vision.

How Does Vision Insurance Work?

Vision insurance works in much the same way as health insurance. A monthly premium must be paid, which covers a certain amount of the cost of services. However, there are also typically some out-of-pocket costs associated, such as copayments for office visits or glasses.

It is essential to review the terms of a vision insurance plan before enrolling to avoid surprises when it comes time to use the benefits. However, vision plans can help offset the cost of routine eye care (annual vision exam), making it more affordable for everyone.

What Does Vision Insurance Cover?

In addition to dental plans, having good vision insurance can be essential for healthcare. Vision insurance covers many expenses, including routine eye exams, prescription glasses and contacts, laser vision correction surgery, and other corrective procedures.

Vision insurance costs can quickly add up, so having adequate coverage is crucial in ensuring that you stay on top of your eye care needs. Additionally, many vision plans offer additional benefits, such as discounts on frames and sunglasses, including Pearle Vision, Walmart, and Costco optical.

What Are The Best Vision Insurance Plans?

Vision insurance companies offer large provider networks with superior vision coverage options. In addition, most vision insurance providers offer an extensive network that includes out-of-network providers.

What is the most common vision insurance?


The most common type of plan is known as an HMO. With an HMO, policyholders receive coverage for a set number of visits to an eye doctor in an in-network provider. The benefit of an HMO is that it typically has lower monthly premiums than other types of plans. However, the downside is that policyholders may have to pay more out-of-pocket for services not covered by their plan. Waiting periods for an annual eye exam may be longer too.


Another common type of vision insurance is known as a PPO. With a PPO, policyholders can receive coverage for both in-network and out-of-network providers, including private practice doctors. The benefit of a PPO is that it offers more flexible coverage than an HMO. However, the downside is that PPO plans typically have higher monthly premiums with higher out-of-pocket costs. Therefore, when choosing a vision plan, it is essential to consider your needs and budget to find the right fit.

How Much Is Vision Insurance?

Many people are unaware of how much vision plans cost. However, the truth is that the cost can vary greatly depending on several factors. The most crucial factor is usually the type of coverage that you select.

For example, some policies will cover the cost of routine eye exams and a pair of glasses, while others will also cover contact lenses and more serious medical procedures.

In addition, the amount of coverage you select will also affect the cost of your policy. For instance, if you only want to ensure your eyesight against catastrophic events, you can expect to pay less than if you select a policy that provides comprehensive coverage.

You can purchase vision plans from an employer or an insurance agent. But ultimately, the best way to determine the cost of coverage is to get quotes from multiple insurers and compare their rates. By doing so, you can be sure that you are getting the best possible deal.

How Do I Get Vision Insurance?

When making decisions about your health and well-being, choosing the right insurance is often one of the most challenging aspects. There are many different options, each with unique advantages and drawbacks. One essential type of health insurance is vision coverage, which helps ensure access to the care you need. So how do you get it?

The first step is to consider your specific needs and goals regarding your vision plan. For example, if you wear prescription eyeglasses or contact lenses regularly, finding participating providers with a large selection of high-quality glasses and contacts is essential.

Additionally, if there are particular services that you regularly need – such as laser vision correction or annual eye exams – then it’s essential to look for a health plan that covers those services. Once you’ve assessed your needs, you can compare different options to find the right health plan.

Can I Get A Dental And Vision Insurance Bundle?

Yes, you can get a vision and dental insurance bundle. This insurance bundle can save money on your dental and vision care needs. You can get a dental and vision bundle in a few different ways.

  • One way is to purchase both types of insurance from the same insurance company.
  • Another way is to purchase one type of insurance from one company and another from another.

You will want to compare the companies that offer this bundle type to ensure you get the best deal possible. You may also want to check with your employer to see if they offer any discount health plan you can take advantage of.

Is Vision Insurance Worth It?

There is no easy answer to the question of whether vision insurance is worth it or not. On the one hand, having coverage for vision care can be incredibly valuable, as it helps to ensure that you have access to quality eye care when you need it most. On the other hand, you can avoid out-of-pocket costs, costly copays, and deductibles at the doctor’s office by paying a monthly premium. It also often includes perks like free annual routine eye exams and discounts on prescription eyewear.

However, on the other hand, some people may find that they do not use their vision insurance plan very much. After all, while regular checkups are essential for maintaining good eye health, they don’t always require a trip to the doctor – simple at-home remedies like warm compresses and saline solutions can often work just as well.

And depending on your needs and health plan, prescription glasses and contact fittings can often be purchased without a copay or deductible through your standard health insurance options. So, investing in vision care may not always be worth it.

Next Steps

Vision insurance is essential health insurance that helps people maintain healthy eyesight. By covering various services, including an eye exam, screening tests, eyeglasses, contact lenses, and medical procedures, vision insurance plans can help people save money on their eye care expenses. If you need a vision plan, contact us for a quote today. We can help you find the perfect vision insurance company to fit your needs and budget.

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Frequently Asked Questions

What insurance does Walmart vision take?

Walmart accepts a wide range of insurance plans to ensure your vision is covered. They accept both eye health and vision plans and Medicare and Medicaid. Some specific insurance plans they accept include VSP, Eyemed, Unitedhealthcare, Cigna, Humana, Aetna, and more. They also have our in-house insurance plan, which can be used nationwide at any Walmart Vision Center.

Is vision insurance the same as health?

Vision insurance plans are often confused with traditional health insurance, but these two types of coverage are quite different. While health insurance typically covers a wide range of medical conditions and services, vision insurance is narrower in scope. Rather than covering the entire body or all aspects of health, it typically focuses on providing coverage for eye-related medical expenses.

While this may include some essential vision services, such as routine checkups and eye exams, it typically includes coverage for more specialized treatments like corrective surgery or laser eye procedures. So while health and vision policies can play an essential role in protecting our overall well-being, they should be approached as distinct types of coverage.

How much do glasses cost without insurance?

In addition to an eye exam, the cost of glasses without insurance can vary widely depending on the type of frames and lenses used and where you purchase them. For example, basic prescription lenses may range from around $50 to $150, while high-quality lenses costing more than $200 are also reasonably common.

As for frames, they tend to be significantly more expensive, often between $100 and $400. Factors such as brand name and designer status significantly impact the final price of glasses, so it is essential to do your research and comparison shop before making any purchasing decisions.

How Much Does An Eye Exam Cost Without Insurance?

The cost of an eye exam can vary depending on several factors, such as the location of the exam, the type of exam being performed, and the provider performing the exam. An eye exam without insurance can cost anywhere from $50 to $250.

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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