Category
Eye Care
VSP Contributor, 16 Sep 2014

Cost Of Vision Insurance

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How Much Is Vision Insurance?

Vision is at the heart of how we experience the world. It is the most dominant of all senses, enabling us to see multi-dimensionally and dynamically. Even a small change in the quality of our vision is immediately noticeable with big consequences that can affect our entire well-being. Despite these facts, vision insurance is sometimes more of an afterthought for many people. They wonder what exactly vision insurance is, how much it costs, and if it’s even worth it.

What Is Vision Insurance?

Vision insurance is essentially a supplemental form of health insurance, helping to cover preventative eye exams and corrective eye wear. Your regular health insurance plan would probably cover health costs if you were to injure your eyes in an accident or suffer an illness that affected your vision. Routine eye exams and costs of eyeglasses or contact lenses, however, are not covered by regular health insurance. Regular eye exams help you correct blurry vision, greatly increasing your quality of life. An eye doctor can also detect a number of health conditions in the early stages, including:

• Diabetes

• Macular degeneration

• Glaucoma

• High cholesterol

• Multiple sclerosis

• Risk of heart disease or stroke

All of these health conditions are important to identify while they are in the early stages of development, because if left untreated, they can become much more serious. Routine eye exams are an important component of this preventative process, allowing you to take the necessary steps toward healing and better health.

How Much Does Vision Insurance Cost?

Vision insurance is extremely affordable compared to other forms of insurance. For example, VSP Direct offers individual plans for as low as $14 per month, and family plans for as low as $37 per month.

What Is Included?

With the price of your vision insurance policy, you get free lenses, frames, and contacts up to a certain amount as determined by your policy. Eye exams are covered in full after a minimal copay. The savings don’t stop with exams and frames, though. If you want eyeglasses that cost more than what your policy covers, you get a discount on any additional amount. Bifocals, trifocals, and tinted lenses are also covered or discounted with your vision insurance. Many vision insurance plans also offer discounts for laser correction surgery. With adequate vision insurance, you know that you’re getting a great value for your eye care.

How Much Do I Save Compared To No Insurance?

If you rarely see the eye doctor, then you’re potentially putting your health in jeopardy. Eye health is an important part of your overall well-being, and should not be neglected because you don’t think you need new glasses or contacts. When you have vision insurance and take advantage of the benefits it provides, you can save hundreds of dollars every year. For example, the typical eye exam is $150 without insurance. Eyeglasses will run you another $150 per pair, and even more if you want light-to-dark tinting or bifocals. Vision insurance gives you the peace of mind knowing that you’re staying on top of your eye health, as well as getting deep savings on exams, frames, and all the vision extras. For each exam where you buy new frames or contacts, you’ll be saving at least $200 if you have vision insurance. With VSP Direct, typical annual savings are around $235 a year, even when you factor in the monthly premiums.

How Do I Make The Switch?

VSP Direct offers the most comprehensive vision insurance at a great price! Contact us today to receive a FREE vision insurance quote for you and your family!