The health of your eyes is as vital as the health of any other body part. After all, having a healthy vision is essential for seeing, learning, and enjoying the beauty of this world, and we only have one set of eyes.
So it’s essential to take care of this blessing of God by having regular eye exams and adapting healthy eye-related activities. However, taking good care of your eyes may be expensive as it involves doctor visits, purchasing glasses, frames, lenses, or sometimes even costly surgical procedures.
Therefore, it is as imperative to have vision insurance as it is to have health insurance.
What is vision insurance?
Vision insurance is a supplemental health plan that can help you save money while taking care of your eyes. Most vision coverage plans cover the costs of eye exams, glasses, and lenses.
When it comes to a vision insurance plan, there are various affordable and comprehensive options. Some policies may be more suitable for you than others, depending on your needs. The availability of choice may confuse first-time buyers.
So, to help you out, we have listed the top five vision insurance plan providers for you. Read on to learn about the vision coverage plans from a few of the top-rated vision insurance companies.
1. VSP
Vision Service Plan, VSP, is one of the largest vision insurance companies with an A+ rating from the Better Business Bureau. It is offered by around 36,000 eye care providers and can be purchased via employee group plans or individually.
It covers most of the eye care needs, including annual eye exams, prescription eyeglasses, or a choice of contact lenses yearly. Moreover, it also includes an allowance for LASIK surgery.
• The Good
- It offers flexibility in premiums and coverage
- Plans start from as low as $13/month
- Out-of-network claims can also be made
- Gives discounts on known eye care brands
• The Bad
- Claims may be paid slowly
- Not much beneficial if using out-of-network providers
Why Choose it?
VSP offers a wide variety of classified plans with viable pricing and has many locations all across America.
2. EyeMed
EyeMed is a top-ranking vision insurance provider with an A+ rating from the Better Business Bureau. With their vision insurance plans, you can get coverage for glasses, eye exams, and contact lenses.
• The Good
- Best optical retailers are on its network
- Excellent customer service
- Offers discounts on many branded glasses frames, prescription sunglasses, and contact lenses
• The Bad
- Restricted coverage options for non-network care
- Low allowance for glasses
Why Choose it?
EyeMed is a dedicated vision care insurer with top-rated eye doctors and the world’s largest eyewear company on its network. Its vision coverage plans and policies are well-thought-out and start at very reasonable premiums.
3. United Healthcare
United Healthcare is one of the largest health insurance providers in the country. It offers two different vision coverage plans, one for glasses or contact lenses, and another for both eyeglasses and contacts.
• The Good
- Large national network
- Flexible coverage options
- Combining their vision and dental plans can save on premiums
• The Bad
- Costlier for non-network providers
- Different coverage options for different locations
Why Choose it?
United Healthcare’s vision insurance offers low-priced premium and the minimal copay for glasses that pay for itself when used by the year. It provides simple plan choices and has convenient in-network provider locations. Moreover, there is no age limit or waiting period.
4. Premier Vision
PremierVision insurance plans help you save money with insurance benefits as well as discounts on one of the major eye care networks, Spectera. Its vision coverage includes annual eye exams, prescription lenses and frames, and contact lenses and frames.
• The Good
- Easy to use
- Backed by the top-rated optical care provider
- Highly cost-effective
• The Bad
- Not available in all states
- Limited coverage for non-network providers
Why Choose it?
PremierVision is backed by the vast network of Spectera Eyecare and has over 100,000 access points all across the country. You can choose from individual or retail providers according to your needs.
5. Davis Vision
With over 70,000 access points all across the country, Davis Vision is one of the widely preferred vision insurers. They have top-rated eye care professionals working on their network, ensuring better eye health.
It includes coverage for annual eye exams, eyewear, eye health, and wellness management.
• The Good
- Claims can be made directly on the app
- The majority of the eye care retailers in the country are on its network
- In-network care at more than 70,000 locations across the country
• The Bad
- Limited non-network coverage
- No coverage for LASIK, just discounts
Why Choose it?
Davis Vision is rated to have the best customer service. Moreover, it gives enormous importance to eye health and consider it as part of your overall wellness and thus includes hearing aids and diabetic programs into its vision insurance plans.
Final word
There is practically no set vision insurance plan that caters to everyone’s needs.
Each individual has diverse requirements when it comes to eye health, and thus a different vision coverage plan may be most appropriate for different people. The best vision insurance plan depends upon your requirements, your location, and your budget.
Nonetheless, a good vision insurance plan must cover all your basic eye health requirements, such as going to an ophthalmologist, purchasing eyewear, and getting all eye-related medicines.
