Like dental, vision insurance isn’t covered in most health insurance plans. If you’re considering purchasing vision insurance, you may be wondering what it covers. Vision insurance does cover a wide range of eye care services; however, some are available for discounted rates only. Here’s more about this coverage.

A Guide to Vision Insurance

What It Covers

Vision insurance covers at least the majority of many eye care services, including eyeglass lenses and frames, contact lenses, eye exams, and tests for conditions such as glaucoma. It also typically covers a portion of costs for more extensive eye care services, such as LASIK corrective surgery and therapy for eye diseases including cataracts, diabetic retinopathy, glaucoma, retinal detachment, age-related macular degeneration, and retinitis pigmentosa.

Coverage also includes discounts for “extra” eye care services, such as adding anti-glare and scratch-resistant coatings to eyeglasses and prescription sunglasses. Progressive, transition, and polycarbonate lenses are also discounted when you have vision insurance.

Services that aren’t a part of vision insurance plans include additional eye exams within the calendar year, fees for missed appointments, non-prescription eyewear, and surgeries and eye injuries covered under health insurance plans.

Insurance Types

There are two main types of vision insurance: discounted vision plans and vision benefits packages. Discounted plans require paying an annual membership or premium fee for lowered rates on eye exams, vision tests, contact lenses, and eyeglasses. Vision benefits packages also include annual membership or premium fees; however, eye exams, vision tests, and eyewear are free. 

For eye care services from trusted optometrists, visit Cohen’s Fashion Optical in New York, NY. They provide residents throughout the Upper West Side and the rest of Manhattan with everything from annual eye exams to a selection of over 2,000 frames. You can count on outstanding customer service that includes evening and weekend hours. Call (212) 769-1410 today to schedule an appointment or learn more about accepted insurance plans online.