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Insurance for Vision

Vision insurance is an optional health policy that entitles you to specific eye care and eyewear benefits defined in the policy. Learn more, including the costs of vision insurance coverage.

Vision insurance and vision plans (such as VSP and Eye Med) can significantly lower your cost of eye care and prescription eyewear.

Though "vision insurance" is the term commonly used to describe plans that reduce the cost of eye exams, eyeglasses, contact lenses, etc., in most cases, costs associated with these eye-related services and products are covered instead by stand-alone vision plans that are more accurately described as annual wellness benefits or discount plans.

Vision Insurance picture

For simplicity, we frequently will use the term "vision insurance" herein to describe vision plans of all kinds. But be sure to check with the business staff at your eye doctor's office to determine the specific coverage and benefits provided by your vision insurance, vision plan or wellness agreement.

An exception to this is cataract surgery and other medically necessary eye surgery, which typically is covered by major medical and health insurance plans. (LASIK and other elective vision correction surgery usually are excluded from medical insurance plans, but discounts for these procedures may be included in vision and wellness plans.) A vision insurance PPO contracts with a network of eye care professionals that includes optometrists, ophthalmologists, opticians and eyewear retailers to provide services to vision plan members at a discount to normal retail prices.