Vision Insurance
See Clearly with the Right Vision Coverage
Good eye health is about more than clear vision—it’s about your overall well-being. Regular eye exams can detect issues like glaucoma, macular degeneration, or even early signs of diabetes. Vision insurance makes these important checkups affordable while helping cover the cost of glasses or contacts. Without a plan, families can face hundreds of dollars in annual out-of-pocket costs for eyewear and exams.
What Vision Plans Typically Cover
Most vision insurance plans follow a predictable structure, giving you cost savings where you need it most.
- Annual eye exams: Usually covered in full or with a small copay.
- Prescription lenses: Coverage for standard lenses, with options for upgrades like anti-glare or progressive.
- Frames or contacts: Yearly allowance (often $120–$200) toward glasses or contact lenses.
- Lens enhancements: Discounts on features like scratch resistance, blue light filters, or transition lenses.
- LASIK/PRK discounts: Some plans provide savings on corrective surgery.
Choosing the Right Vision Plan
Not all vision plans are created equal, which is why working with an agent helps narrow the options:
- Large provider networks: Carriers like VSP or EyeMed give access to independent optometrists and national retailers.
- Bundled options: Vision can be paired with dental coverage to save money.
- Plans for seniors: Since Medicare doesn’t cover routine vision, many older adults add a vision policy for exams and eyewear.
- Plans for families: Ensuring kids have annual exams means vision issues don’t affect school or development.
Vision Care for Every Stage of Life
Your vision needs aren’t the same at 10, 40, or 70. Vision insurance makes it easier to keep up with those changes.
Children and teens: Regular exams help catch vision issues early so they don’t affect learning or development.
Adults: Coverage for glasses or contacts keeps work, driving, and daily life clear and safe.
Seniors: Eye exams help track age-related changes and detect health conditions like glaucoma or diabetes.
Whether you’re planning ahead for your kids, replacing glasses every year, or adding coverage in retirement, the right vision plan ensures care stays affordable.
Vision Insurance FAQs
How much does vision insurance typically cover for glasses?
Most plans provide a set allowance for frames or contacts, plus discounts for lens upgrades.
Can I use my vision plan at any provider?
It depends on the network. Many include both independent providers and retailers like Costco, Walmart, or LensCrafters.
Does vision insurance cover eye diseases or surgery?
No, medical issues like cataracts or glaucoma fall under health insurance or Medicare. Vision insurance is for routine care and eyewear.
Is vision insurance worth it if I only need glasses every few years?
It often pays off through exam coverage, discounts, and allowances—especially for families or those who replace eyewear often.
What’s the average monthly cost of a vision plan in Kansas?
Premiums are usually modest, often under $15 a month, making it an affordable way to budget for annual eye care.
