Vision Insurance
Vision insurance is a supplemental health benefit that helps cover routine eye care and eyewear costs, unlike medical insurance which focuses on treating eye diseases or injuries.
Coverage Basics
Plans typically pay for:
Routine eye exams (once every 1-2 years).
Prescription glasses or contact lenses (frames up to a set allowance like $130-200, lenses with basic coatings).
Discounts on contacts, lens upgrades (anti-glare, transitions), or LASIK in some cases.
Plan Types
PPO: Widest network flexibility; lower costs in-network.
HMO: Cheaper premiums but limited to assigned providers.
Most have copays ($10-25 for exams), frequency limits, and annual maximums ($150-300).
Medical issues (cataracts, glaucoma) fall under health insurance, not vision plans.
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