Vision Insurance: Are You Getting the Best Value for Your Money?
Health insurance does not cover vision insurance, except children on a family plan. So, if you are among the millions of Americans who have vision problems and rely on glasses or contacts, you may need to consider your options. In most cases, vision insurance is very affordable and can provide significant yearly cost savings on appointments with your eye doctor and corrective lenses. Many companies provide vision coverage, and knowing which ones offer the best value can help you spend your health dollars wisely.
What Is Vision Insurance?
Vision insurance is supplemental health insurance that covers vision-related care. This includes annual visits and emergency care, along with corrective products such as glasses and contacts. Some plans also have coverage for corrective surgery, but generally speaking, eye surgery would be covered under your health insurance plan in almost all cases. Your plan likely has copays (a certain dollar amount you pay towards a given service), coinsurance (a percentage of the cost of a service) or deductibles (an out-of-pocket amount you must meet before your vision insurance kicks in).
The Best Vision Insurance Companies
Nevada residents have numerous vision insurance companies to choose from. Not all plans are available statewide, but a health insurance agent can help you determine what is available in your area.
What to Look For:
- Co-pay for the lenses
- Co-pays for the eye exam
- The “allowance” for the frames
- How often you can get new frames
- What the co-pay or co-insurance covers for single vision, bifocals, and trifocals
Local Favorite / Best Overall: VSP (Vision Service Plan)
Many providers in Nevada accept VSP vision plans. It’s popular, well rounded, has good coverage and many providers accept it. VSP is the nation’s largest nonprofit full-service vision plan. It has more than 55 million members, a network of over 38,000 access points, and 26,000 private-practice doctors. It is a customer favorite for its numerous vision plans and affordable copays.
The Best for Wellness Services: UnitedHealthcare
UnitedHealthcare is among the largest health insurance providers in the nation. Its vision coverage features a modest copay for glasses that offsets the low monthly premium when services are used annually. It also provides coverage for vision correction surgery.
The Best Budget-Friendly Option: Direct Vision Insurance
Direct Vision Insurance’s policies are underwritten by Ameritas, a leading health insurance provider. Direct Vision’s plans have low deductibles and low premiums, helping individuals and families control their costs.
The Best Value: Humana
Humana’s vision insurance plans are simple and straightforward, making it easy to compare coverage options. While discounts are only available when you use in-network providers, you can save money on your enrollment fee and monthly premium by bundling your vision coverage with one of Humana’s dental plans.
The Best for Contact Lens Wearers: EyeMed
EyeMed has numerous network providers throughout the nation, including Target Optical, Pearle Vision and LensCrafters, as well as private-practice doctors. There are three tiered levels for you to choose from, letting you get customized coverage that fits your needs and budget. Its Bright plan provides a generous contact allowance, making it a good option for those who rely on contacts.
Finding Vision Insurance with Nevada Insurance Enrollment
Finding the right vision insurance for your unique needs can provide significant savings. At Nevada Insurance Enrollment, our experienced health insurance agents help you review available plans and find the one that is right for your vision needs.
Recent Posts
HRA vs Employer Sponsored Health Insurance
An employer-subsidized plan is a sensible option for employees. Not only does the employer pay at least 50% of the employee’s premium, but the remaining premium is tax-free and taken directly from the employee’s pay.
Can You Choose Between Medicaid or Obamacare for Health Insurance?
The good news is that even those with very limited incomes can get low-cost health insurance or even free medical coverage through the Affordable Care Act’s Marketplace health insurance plans, often referred to as Obamacare, or through Nevada Medicaid.
Saving Money on Health Insurance With Negotiated Pricing
The majority of health insurance companies have a contract with a network of hospitals and other providers. In this contract, there are negotiated rates for different services. This negotiated rate is generally lower and sometimes significantly lower than what a provider would charge someone who is paying out of pocket.
Search This Website
Most Popular Pages
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog
#5) Request a Quote
Top 5 Most Popular
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog Posts
#5) Request a Quote
Recent Posts
Health Insurance with a Preexisting Condition
You may assume that since you have a preexisting condition, you’ll pay a higher premium than someone who is in perfect health. However, an insurer cannot reject you, refuse to pay for health benefits pertaining to your illness or injury, or charge you a higher premium because of your condition.
Is Physical Therapy Covered Under Health Insurance?
Whether you have recently been injured or you are experiencing chronic pain or limited mobility, going to a physical therapist can greatly improve your quality of life. For many people, concerns about how much regular sessions cost is a big roadblock to getting much needed care. Fortunately, if you have an ACA-compliant health insurance plan, rehabilitative services like physical therapy are listed among the essential health benefits.
What Is a Health Insurance Network?
Whether you’ve had the same health insurance company for years or switched to a new health insurance company, the variance in cost is directly related to whether a healthcare provider is within your health insurance company’s network (if you have a PPO), if you have a deductible to satisfy first, or if you have a co-pay.
What is a Special Enrollment Period?
The special enrollment period is always within 60 days of a life event. A “Life Event” is an event such as the birth of a baby, losing group coverage through an employer, losing coverage due to a move to Nevada, marriage, any many other scenarios.