What is Not Covered by Vision Insurance?
Vision insurance is a smart way to get the eye care you need at an affordable price. However, it is not as comprehensive as many people may think. Let’s dive into what vision insurance actually covers.
What is covered?
Vision insurance helps cover the costs associated with routine vision care. It is designed to promote preventative care rather than cover emergencies or complex surgeries. Here are a few services vision insurance covers:
- Annual eye exams: Allow you to be tested for sharpness of vision, glaucoma, cataracts, vision impairments and more. This is essential for catching problems early and maintaining good vision.
- Eyewear: Includes prescription glasses and contact lenses.
- Lens coatings: This procedure makes your lenses more resistant to scratches and reduces glare.
Does vision insurance cover LASIK?
Standard vision insurance will not typically cover LASIK. This is because it is an elective surgery and isn’t considered medically necessary. However, some policies may offer partial coverage or discounts depending on your coverage limits.
What is not covered?
Vision insurance covers the most essential eye care services; however, it does not cover everything.
- Medical eye care: Conditions like glaucoma, cataracts, or macular generation would typically fall under health insurance not vision.
- Non-prescription eyewear: Sunglasses, reading glasses, fashion lenses, and other non-prescription eyewear are not covered.
- Cosmetic procedures: Any elective procedures deemed not medically necessary are not covered under vision insurance.
- Eye Injuries or Infections: These situations are considered medical emergencies, not routine vision issues. It would be covered under health insurance.
How much does it cost?
The cost of vision insurance can depend on multiple factors. Where you live, your provider network, and the amount of coverage you’ll need all can affect how much your premium will be. However, for an individual, vision insurance can range from $15 to $40 per month.
Let’s talk
A clear view of your coverage goes a long way. For a free consultation, contact one of our experienced Avery Hall agents today at 410-742-5111 for Salisbury, 410-822-7300 for Easton, and 302-536-9470 for our Selbyville office.