The Independent Worker's Guide to Vision Insurance
If you know you'll be needing a new pair of glasses in the near future, or if you've been considering getting contacts, it might be worth it to look into vision insurance.
Vision insurance is an entirely separate plan from a health or dental plan, and it's designed to reduce your costs associated with routine eye exams and prescription eyewear, as well as other necessary care that might come up. Considering 66 percent of American adults need vision correction, this can really pay off.
In this guide, we'll answer some common questions about vision insurance to ensure you feel more comfortable before diving into your options!
Why Is Vision Insurance Important?
Scheduling regular eye exams helps your doctor identify vision correction needs and early stages of eye diseases. Vision plans help reduce the cost of regular eye exams, save you money on vision correction, and it can alleviate some of the costs associated with procedures.
What's Covered Under a Vision Insurance Plan vs. My Health Insurance Plan?
It can be confusing trying to understand what vision insurance covers versus what health care insurance covers. Just visiting an eye doctor doesn’t mean that it is covered by vision insurance and not health insurance. In fact, your health care plan will generally cover anything medical in nature, even when it comes to your eyes. This means health insurance will be billed for things like eye infections, eyelid styes, glaucoma treatment, dry eyes, retinal tears, cataracts, and diabetes.
What's Usually Included in a Vision Insurance Plan?
Most plans cover preventive care, as well as prescription eyewear. You can also choose plans that offer additional options for coverage.
Preventive Care: Preventive care includes eye exams, vision tests, and glaucoma testing. Eye exams help identify vision problems, as well as signs of serious medical conditions like glaucoma and cataracts. Preventive care is typically covered at 100 percent, up to a specific amount, by your vision insurance company.
Prescription Eyewear: Prescription eyewear includes eyeglass frames, eyeglass lenses, and contact lenses. It also typically includes lens protection and enhancements to keep your lenses safe. Prescription eyewear is usually covered at 100 percent up to a certain dollar amount.
Additional Care: Additional coverage might include things like daily disposable contact lenses and corrective eye surgery like Lasik.
Stride tip: These are just general outlines for how some plans operate. Be sure to read all the coverage details when you evaluate and choose a plan because they will likely be slightly different than these details. For instance, plans through Stride cover different percentages than outlined above.
Where Can I Purchase Vision Insurance?
Stride is now offering an exclusive vision plan for just $9.12/month. Sounds too good to be true, right? Check it out here!
What Comes with Stride's Vision Plan?
$120 per year towards glasses or contacts
No wait times — start using your plan today!
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