When comparing vision insurance plans and finding the best option for your needs, consider the following factors:
wide coverage
When it comes to vision insurance, it's easiest to get coverage from a plan that's offered in each state and has a large number of doctors in its provider network. In fact, it's more convenient and can help prevent gaps in coverage if you move or need care while traveling.
UnitedHealthcare vision insurance policies are accepted at more than 120,000 access points, Humana's vision insurance provider network has 95,000 locations, and the EyeMed Advantage network has more than 70,000 providers and locations.
monthly insurance premiums are low
Prices vary by plan and coverage level. It's important to consider your budget when looking for a new vision insurance plan and avoid more expensive vision plans if you don't need a high level of coverage. For example, if you don't need glasses, you may not need a full frame allowance, but if you do have glasses, that allowance could be an important part of your plan.
Our research found that the cheapest vision insurance plans are EyeMed Healthy ($5 per month), UnitedHealthcare's Plan A ($11 per month), and Anthem's Blue View Vision Value ($12 per month).
Covers all or part of your annual eye exam
Vision insurance covers annual eye exams, but not all vision insurance companies fully cover these exams. Vision insurance policies also typically require copays for eye exams, but our research found that EyeMed Healthy has no copays for exams.
Allowance for glasses and contact lenses
Whether you need glasses or contacts now or in the future, understand what benefits your vision insurance plan provides for these costs. Vision insurance covers glasses and contact lens frames up to a specified amount, such as $150 or $200. Depending on your plan, you may only receive one allowance per year, or you may have to choose between contacts or frames. If you exceed this amount, your insurance policy may discount the remaining cost.
Ease of access
Accessibility is important when researching and enrolling in vision insurance plans, as well as when you need to file a claim or contact a customer service representative. Reading reviews will give you an idea of how responsive the vision insurance company you are considering will be when you need it, as well as when purchasing insurance.
