UPNIN INSURANCE
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What is Vision Insurance?

The term "vision insurance" is commonly used to describe health and wellness plans designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses). Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK.
But unlike major medical insurance policies that may provide unlimited benefits after a certain co-pays and deductibles are met, most vision insurance plans are discount plans or wellness benefit plans that provide specific benefits and discounts for an annual premium.
When purchasing "vision insurance," be sure you fully understand the costs and benefits associated with the plan(s) you are considering. Also, if you have vision care coverage through a plan at work, be aware that "vision insurance" plans usually operate differently than other health insurance plans or major medical insurance.
It's always a good idea to ask the business staff at your eye doctor's office to advise you of the specific benefits of your vision plan prior to your exam and eyewear purchase so there are no surprises afterward.
That said, we will use "vision insurance" in this article as a general term to cover wellness and discount plans that offer vision benefits, as well as more traditional health and medical plans that include vision benefits as well as coverage for eye conditions and diseases and treatment of eye injuries.
Where Can I Get Vision Insurance?Group vision insurance can be obtained through your company, association, school district, etc., or through a government program such as Medicare or Medicaid.
If you are not eligible for a group plan because you are self-employed or for other reasons, most vision insurance providers also offer policies that you can purchase individually.
Vision insurance often is a value-added benefit linked to indemnity health insurance, health maintenance organizations (HMOs) and preferred provider organizations (PPOs) that have contracted with managed vision care networks to provide eye care services.
Vision insurance may be a vision benefits package or a discount plan.Indemnity health insurance is traditional health insurance that allows policyholders access to medical providers of their choice.
An HMO is a group of healthcare providers — doctors, laboratories, hospitals and the like — employed to provide health care to plan members at discounted rates. Usually, plan members are required to access health care (including vision care) only from HMO providers.
A PPO is a network of healthcare providers organized to provide healthcare services to health plan members at a fixed rate below retail prices. Plan members may opt to access out-of-network providers, but usually at a greater cost.
When you buy vision insurance, you receive the following benefits:
  • Access to a network of providers, including optometrists and ophthalmologists, eyewear stores, optical laboratories and LASIK surgeons
  • Routine, preventive eye care services at reduced rates
What Kinds of Vision Insurance Plans Are Available?Vision insurance typically comes in the form of either a vision benefits package or a discount vision plan.
Typically, a vision benefits package provides free eye care services and eyewear within fixed dollar amounts in exchange for an annual premium or membership fee and a relatively small co-pay (fixed dollar amount) each time you access a service.
A discount vision plan, on the other hand, provides eye care and eyewear at discounted rates after you pay an annual premium or membership fee.
In some cases, a vision benefits package or discount vision plan may also include a "deductible" — a fixed dollar amount you must pay your eye care provider out-of-pocket before the insurance benefits take effect.
Both kinds of vision insurance can be custom-designed to meet the requirements of a wide range of customers, including school districts, unions, and big and small companies.
Vision plans generally cover or provide discounts on the following products and services:
  • Annual eye examinations
  • Eyeglass frames
  • Eyeglass lenses (including lens coatings and enhancements)
  • Contact lenses
  • Discounted rates for LASIK and PRK
Get Vision Insurance Quote Now

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  • Home
  • About
    • Core Values
    • Insurance Carriers
    • Careers
    • Products >
      • Motor Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Roadside Assistance
        • RV Insurance
      • Business >
        • Business Insurance
        • Business Owners Package (BOP)
        • Internet Security Insurance
        • Insurance Bonds
        • Key Person Policy
        • Group Benefits
        • Workers Compensation
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Medicare Supplement Coverage
        • Vision Insurance
      • Life/ Financial >
        • Life Insurance
        • Annuities
        • Disability Insurance
        • Final Expense Insurance
        • Financial Planning
      • Property >
        • Home Insurance
        • Condo Insurance
        • Earthquake Insurance
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      • Other >
        • Boat Insurance
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    • Auto Quotes >
      • Auto Quote
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      • Motorcycle Insurance Quote
      • RV Insurance Quote
    • Business Quote >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Apartment Statement of Value
      • Builders Risk Application
      • Child Care Application
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Roofers Supplemental
      • Oil & Gas
      • Workers Compensation Quote
    • Health >
      • Health Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quote >
      • Life Insurance Quote
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      • Landlord Insurance Quote
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    • Other Quotes >
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      • Non Profit
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      • Travel Insurance Quote
      • Wedding Insurance Quote
  • Service
    • Report A Claim
    • Make A Payment
    • Update Contact Info
    • Change My Policy
    • Proof of Insurance
    • Online Documents
    • Free Consulation
    • Common Insurance Terms
  • Agents
    • Custom Websites
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    • FAQs
    • Agent Login
  • Contact Us