The Best Vision Insurance for 2022

When it comes to taking care of our health, we often overlook the importance of vision care. Regular eye exams and maintaining healthy eyesight are essential for our overall well-being. Vision insurance can help cover the cost of eye exams, glasses, and contact lenses. With so many different vision insurance plans available, it can be difficult to determine which one is the best fit for you. In this article, we will be discussing the best vision insurance options for 2022.

What is Vision Insurance?

Vision insurance is a type of health insurance that provides coverage for routine eye exams and corrective eyewear, such as glasses or contact lenses. Some plans may also cover more advanced procedures such as LASIK surgery. Vision insurance is often offered as an optional add-on to traditional health insurance plans or as a stand-alone policy.

How Does Vision Insurance Work?

Like most insurance plans, vision insurance works by paying a monthly premium in exchange for coverage. Depending on the plan, you may be required to pay a deductible or a copay when you receive services. Most vision insurance plans have a network of providers that you can choose from. If you go to a provider outside of the network, you may be required to pay more out of pocket.

What Does Vision Insurance Cover?

Most vision insurance plans cover the following services:

The Best Vision Insurance for 2022

After researching and comparing various vision insurance plans, we have determined the following options to be the best for 2022:

VSP Vision Care

VSP Vision Care is a popular vision insurance provider that offers a range of plans to fit different needs and budgets. Their most comprehensive plan, VSP Premier, covers eye exams, glasses, contacts, and discounts on LASIK surgery. They also have a large network of providers, including many independent optometrists.

VSP’s plans are popular for their flexibility with benefits. They offer plans that have a copay rather than a deductible, so it is easier to budget for routine eye care. VSP is also unique in that they allow beneficiaries to choose their own frames, rather than being limited to a pre-selected selection.

EyeMed Vision Care

EyeMed Vision Care offers a variety of affordable plans that provide coverage for eye exams and corrective lenses. They have a large network of providers, including popular retailers like LensCrafters and Target Optical. EyeMed’s most comprehensive plan, Select, covers eye exams, glasses, contacts, and discounts on LASIK surgery.

One of the major benefits of EyeMed is that they offer a satisfaction guarantee. If you are not happy with your glasses, you can return them for a full refund within 30 days. They also have additional benefits, like coverage for designer frames and lenses.

Humana Vision Insurance

Humana offers a range of vision insurance plans that provide comprehensive coverage for eye health and corrective lenses. Their most comprehensive plan, HumanaVision Premier, covers eye exams, glasses, contacts, and discounts on LASIK surgery. They also have a large network of providers, including popular retailers like Walmart and Costco.

Humana offers additional benefits with their plans, like coverage for eye injuries and discounts on other health services like hearing aids. They also offer a discount program for those who do not need full coverage, but still want to save on routine vision care.

FAQ

Do I Need Vision Insurance?

While not everyone needs vision insurance, it can be beneficial for those who require regular eye exams or corrective lenses. If you have a family history of eye problems or are at risk for developing vision issues, it may be worth considering. Even if you do not require corrective lenses, regular eye exams are essential for maintaining good eye health.

How Much Does Vision Insurance Cost?

The cost of vision insurance varies depending on the plan and the provider. On average, you can expect to pay between $10 and $50 per month for vision insurance. Additional costs like copays or deductibles may also apply.

Do Vision Insurance Plans Cover LASIK Surgery?

Many vision insurance plans offer coverage or discounts for LASIK surgery. However, it is important to check with your provider to determine the specifics of their coverage for this procedure.

Can I Use My Vision Insurance to Buy Glasses Online?

Many vision insurance plans allow you to use your benefits to purchase glasses or contacts online. However, you may need to submit a claim or provide proof of purchase to receive coverage.

Can I Change My Vision Insurance Plan?

Most vision insurance plans have an open enrollment period where you can make changes to your coverage. This typically occurs once per year, but some providers may offer additional opportunities to make changes. It is important to review your plan each year to ensure that it still meets your needs.

Conclusion

Vision insurance is an important aspect of maintaining good eye health. By choosing one of the best vision insurance plans for 2022, you can ensure that you receive the care you need without breaking the bank. Consider your individual needs and budget when selecting a plan, and review your coverage regularly to ensure that it still meets your needs.