What Does Vision Insurance Cover?
Vision insurance is a specific type of plan designed to make eye exams and prescription eye wear more affordable. Some vision insurance plans also offer discounts on LASIK and other elective vision correction surgery. Traditionally, vision insurance provides coverage for preventive eye care services and products, eye conditions and diseases, and the treatment of eye injuries.
Examples of items covered by most vision plans include eye exams, prescription eyeglasses, contact lenses, progressive lenses, photochromic lenses and anti-reflective coating. The typical vision benefits package usually provides free eye care services and eye wear, within fixed dollar amounts for an annual premium, plus a copay each time you access a service. Specific discounts or allowances for products and services vary from plan to plan.
Finally, if you are choosing an individual vision insurance plan, be aware of its limitations. Basic plans often cover just eye exams, glasses, and contact lenses. More comprehensive plans may expand coverage to include eye surgery, laser eye surgery, and treatment of common eye diseases, for example cataracts and glaucoma.
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