Best Vision Insurance Companies in 2022
You might assume that if you have a health insurance policy, it will cover vision as well.
However, health insurance plans do not cover vision, so you must purchase a separate vision insurance plan to cover the cost of eye exams, prescription glasses, and contact lenses.
If you’re one of the 150 million people in the United States who need vision correction, or if you have another type of vision-related disorder, vision insurance means you can get affordable eye care.
In this post, we take a look at the best vision insurance for 2022. We tell you how to get these vision policies and how much they cost.
Make sure you read this post to the end as it will be very informative and insightful.
What are the best vision insurance policies?
Below are the top Vision insurance companies of 2022.
Vision Service Plan
With over 88 million members worldwide and over 40,000 network physicians, Vision Service Plan (VSP) was founded in 1955 and has steadily grown to become the largest eye insurer in the United States.
VSP is our top pick because it offers a variety of plans, flexible coverage, and a range of price points. VSP has a financial stability rating of A- from AM Best and a customer satisfaction rating of A+ from the Better Business Bureau (BBB).
Premiums start at $13 per month, with a low co-payment of $15 for an eye exam and $25 for basic lenses.
This policy covers up to $150 for new frames or contacts, with some brands covering up to $170. For a fee, you can customize your plan with add-ons like anti-scratch and anti-glare coatings and progressive lenses.
Although insurance policies do not cover the full cost of LASIK surgery, they do offer a 5% to 15% discount coupon. There are also discounts for people with diabetes who may have vision problems.
VSP offers the standard plan nationwide, but the other three options are only available in certain states. You can register at any time and benefit from the next day.
United Healthcare
UnitedHealthcare (UHC) is the largest health insurance company in the United States with 80,000 carriers in 44 states and an AM Best financial rating of A (Excellent).
They offer a generous discount of up to 35% on LASIK surgeries when you use QualSight LASIK, which is why this is our top LASIK recommendation.
Golden Rule Insurance underwrites UHC Vision policies that are not available in Alaska, Massachusetts, Minnesota, Montana, New York or New Mexico.
There is no waiting period for any of the available Vision insurance plans. Plan A is designed for people who wear glasses or contacts and has monthly premiums of around $12. Plan B, with monthly premiums of around $16, includes allowances for glasses and contact lenses.
Contact lenses and eyeglass lenses and frames are covered to varying degrees by insurance policies.
Annual eye exams are $10 on both plans and include an on-network allowance of $150 for frames (or up to $75 off-network), plus a $10 co-payment for lenses and no co-payment for contact lenses .
Bundling other UHC insurance products, such as health or dental insurance, can also result in discounts.
Direct Vision may not be as well known as some of its competitors, but it’s backed by Ameritas Insurance, a market leader with an A rating from AM Best and an A+ from Standard & Poor’s.
Direct view
Direct Vision is the clear winner in our Best for Budget category, with plans starting at $9 per month and discounts on glasses, frames, and LASIK surgery.
Through its partners VSP and EyeMed, Direct Vision offers plans for people aged 18 and over. There are two tiers of plans, each of which includes an annual eye exam for a $15 co-payment.
Both plans include a $150 frame or contact lens allowance and a $25 co-payment for single, bifocal, or trifocal lenses. The basic plan grants the allowance every two years instead of annually, which makes the difference between the tiers.
If your glasses require an adjustment upon receipt, you can contact your nearest Lenscrafters location.
You can also pay a higher fee to use off-network providers. For example, the maximum amount for eye exams is $50 and the policyholder is responsible for the balance.
Plans are available nationwide except for Massachusetts, Maryland, Montana, New York, Rhode Island and Washington.
Davis vision
Davis Vision began as an optical laboratory in New York in 1917. The network includes four out of five major eye care retailers and you can get exams and eyewear on the network at locations across the country.
It has its own line of glasses with pairs starting at $40 and a breakage guarantee. Superior Vision is a company that sells custom plans. Versant Health owns both Davis Vision and Superior Vision.
This Vision insurance offers three different types of plans: Essential, Classic and Premier. The Essential plan starts at just $12.50 per month and includes $15 worth of eye exams, full lens coverage, and a $125 frame allowance.
The Classic plan costs about $20.62 per month and includes a $150 frame fee. The Premier plan costs $22.50 per month and includes a $200 framework fee.
Discounts on LASIK and other health-related services are also available through Davis Vision coverage.
It offers hearing aid discounts, a Fit Fwd wellness program, and a diabetic awareness program.
This company understands the shortcomings of traditional health insurance and has developed programs to address them.
human
Humana is rated A- by AM Best and BBB+ by Standard & Poor’s. It is headquartered in Louisville, Kentucky.
With the exception of Alaska, Hawaii, Montana, Oregon, Rhode Island, Vermont and Washington, Vision insurance plans are available in Washington, DC and all other states. Humana Vision has a network of 95,000 locations.
The simplicity of Humana’s plans and the discount you get if you exceed your contract or flat rate are two things we like about them (rare with other companies).
You will initially receive a $150 allowance for glasses or contacts. If you exceed your framework quota, you will receive a 20% discount on your credit and other add-ons and services.
Receive a 15% discount on your contact lens credit when you spend more than the allowance.
Humana will cover the cost of supplies if your contact lenses are deemed medically necessary, but you are not covered if you have had corneal or elective refractive surgery in the past. Only providers within the network receive these discounts.
After paying a $35 sign-up fee (no fee if you bundle it with their dental plans), your monthly premium starts at $11.49 with no waiting.
For an annual network eye exam, you must pay a $15 co-payment, a $40 co-payment for standard contact lens exams, a $25 co-payment for standard plastic lenses, and a $15 co-payment for lens options.
America
Ameritas serves over 4 million customers and has received high ratings from AM Best (A) and Standard & Poor’s (A+).
It was founded in 1887 and was originally known as The Old Line Bankers Life Insurance Company of Nebraska. There are no waiting times for all tariffs that are available nationwide.
Ameritas offers two tiers of family-friendly plans starting at $23.47 per month. All tiers offer free eye exams (full coverage), but the lower tier only offers contact lenses or lenses and frames every 24 months with a $25 eye exam deductible and a $130 frame or contact allowance.
FAQs
The Affordable Care Act (ACA) does not require adult vision insurance; Only child insurance is required. The amount of insurance you need varies from person to person and there is no set minimum insurance requirement.
While there’s no hard and fast rule, vision insurance can save you a lot of money if you’re in a situation where annual eye exams are recommended and other care, like glasses or contact lenses, is required. If you are considering additional treatment, discounts on optional procedures such as LASIK may be included.
According to our research, Direct Vision’s Vision insurance is the most widely available, with coverage in all 50 states and a network of over 155,000 providers.
According to our research, premiums for basic vision insurance started at about $9 a month. These plans include an annual eye exam and a prescription for glasses or contact lenses. You’ll also have to make a co-payment, and depending on your plan and location, you may have to meet a deductible before insurance kicks in.
You get a larger allowance for glasses and lower or no co-payments for eye exams if you opt for a more comprehensive plan, which costs about $30 a month.
Many vision insurance companies offer different levels of coverage. Annual eye exams and a certain amount for frames and lenses or contact lenses are included in all plans, including base plans.
Contact lens care and fitting appointments, different lenses and coatings, lens protection, accidental breakage of glasses and increased compensation for design frames can all be covered under a more comprehensive policy.
Before purchasing vision insurance, be sure to inquire about exclusions. Information should also be included in the policy terms and conditions.
Medical treatments for eye conditions are not covered by vision insurance. General health insurance, not vision insurance, would cover things like treating injuries, cataract surgery, and antibiotics to prevent infection.
Replacement of damaged glasses, non-prescription reading glasses, and additional eye exams beyond a year are standard exclusions.
You certainly can. Sight insurance is classified as supplemental, which means you don’t have to be enrolled in a regular health insurance plan to get it. Some major health plans offer discounted add-on plans that include vision and dental care. Sight insurance, on the other hand, does not require regular health insurance.
Yes, to sum it up. Most vision plans, on the other hand, require you to choose between glasses and contact lenses. Sometimes if you pay a higher premium, you get both contact lenses and glasses.
Conclusion
The companies that made our list of Top Vision Insurance Companies exhibit a mix of positive and negative characteristics.
Others offer instant coverage and low prices, while others have large carrier networks and high coverage limits. We hope you found this post as helpful as promised. We wish you every success in your search.
cheers
