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Seeing Things Clearly: What Does Vision Insurance Cover and Do I Need It?

October 1, 2020
Woman blue eye with eye chart

What does vision insurance cover and do I need it? Get straightforward answers so you can see clearly as to what you should do.

Vision insurance may be the “optional” insurance you’ve been missing in your medical care.

From glasses and contacts you need to function to vital preventative care, eye maintenance is one area you don’t want to undercut. It can save you serious money in the end, and you may even protect the health of your eyes.

What does vision insurance cover, and do I need it? Read on for straightforward answers that will help you see clearly.

What Does Vision Insurance Cover?

So what is vision insurance? Vision insurance, whether through an employer program or self-paid, covers regular vision maintenance. Simple plans cover eye exams, as well as glasses or contacts.

More extensive plans can act as health care plans and can cover chronic eye problems, diseases like:

  • Diabetic retinopathy
  • Retinitis pigmentosa
  • Cataracts
  • Macular degeneration
  • Glaucoma
  • Reginal detachment

Some plans even cover eye surgery, as well. While something as severe as an eye injury may be covered by your health insurance, having the extra coverage might be to your advantage.

Consider how critical eye exams are. Not only do you need an exam to get the right prescription for contacts or glasses. A regular vision exam can spot a disease in its infancy.

Many chronic eye problems develop without symptoms in their early stages. An eye exam can play a critical role in identifying disease before its too late.

If you’re asking yourself, “do I need vision insurance?” The answer is: you probably do.

If you don’t think chronic eye problems are a national issue, take a look at some statistics from the American Academy of Ophthalmology website:

  • Glaucoma affects almost three million Americans, age 40 and over
  • Approximately half of all Americans will experience cataracts by age 75
  • More than seven million Americans age 40 and over experience diabetic retinopathy
  • More than 150 million people in the U.S. use corrective eyewear
  • Americans spend more than $15 billion on corrective eyewear each year
  • Thirty-seven million Americans wear contact lenses

If you have lived this long and managed to avoid eye issues, consider yourself one of the lucky few!

However, if you are like the rest of the country, you have (or will at some point) need eye care. Vision insurance is the best place to start.

Where to Get Vision Insurance

The best place to start shopping for vision insurance is through your current health insurance plan. The cost of vision insurance can vary, but most premiums average around $5-$15 per month. 

If you need help finding the right vision and dental insurance, you can start with the professionals at Semple Solutions. From individual to group plans, we can help you navigate the system and find the insurance plan that’s right for you.

Get Started Today

So what does vision insurance cover? It covers eyeglasses, contacts, and, most importantly, exams. The cost of vision insurance is a small price to pay for your health.

Contact us today and see how easy it is to get started on a vision plan.