Vision insurance is often not covered by your health insurance plan and can cover things like prescription eyewear, ophthalmologist visits, preventive eye exams, and contact lenses. The top vision insurance providers offer a wide range of plans, are simple to sign up for, have low premiums, and have good financial strength ratings.
Best Vision Insurance Providers in 2021
VSP Vision care
VSP was started in 1955 by a group of optometrists. It has progressively expanded to more than 88 million members and 40,000 network doctors globally. In the United States, VSP currently has thousands of private practice doctors and over 700 Visionworks facilities. Upgrades to your lenses include scratch-resistant and anti-glare coatings, progressive lenses, and UV protection. VSP also gives savings and resources to persons with diabetes, as those with the disease frequently have deteriorating vision abilities.
One disadvantage for those currently on Medicaid is that VSP benefits cannot be coupled with them. That is if you wanted to utilise VSP’s $150 credit to pay for frames but still had $50 leftover. You couldn’t use a Medicaid credit to cover the difference. Standard, EasyOptions, Enhanced, and EyewearOnly120 are the four categories of VSP plans. Monthly premiums for the Standard plan start around $13, with a $15 eye test cost that covers up to $150 in new glasses. While it does not cover LASIK, it does provide a coupon for a 15% discount on your services.
EyeMed, launched in Cincinnati in 1988 and now has over 60 million members, was founded in 1988. Its intentions collaborate with well-known companies, including Pearle Vision, LensCrafters, and Target Optical. EyeMed offers three levels of eye insurance, with the higher premiums resulting in a more considerable discount on frames and lenses. Each plan includes an eye checkup and substantial discounts on glasses and contacts, with no waiting time.
The most basic subscription, EyeMed Healthy, which starts at $5 a month, offers a coupon for a discount on glasses and contacts. The more expensive EyeMed Bold and EyeMed Bright plans, which cost $17.50 and $30 a month, respectively, provide more benefits. Instead of a coupon, these programmes give you an allowance for frames and lenses. You can also cover the cost of lens enhancements like UV protection with a copay.
Your eye health is part of a larger wellness picture at Davis Vision, including hearing aids and diabetes programmes that are not always covered by medical insurance. In 1917, Davis Vision began as a small family-owned optical store. Lawrence Davis founded the modern-day Davis Vision in 1964 when he started an ophthalmology laboratory in New Hyde Park, New York. The Davis Vision network includes four out of five major eyecare shops, and you can get in-network tests and eyeglasses at locations throughout the country. It offers its line of spectacles. Starting at $40 and including a breakage warranty. Superior Vision is a company that sells individual plans. Versant Health owns both Davis Vision and Superior Vision.
Davis Vision offers three different sorts of plans: Essential, Classic, and Premier. The Essential plan starts at $12.50 a month. It also includes $15 eye exams, full lens coverage, and a $125 frame allowance. The Classic plan costs around $20.62 per month and includes a $150 frame allowance. The Premier plan is $22.50 a month and consists of a $200 frame allowance.
UnitedHealthcare purchased Golden Rule Insurance (founded in 1940) in 2003, transforming it into one of the country’s largest healthcare providers with over 75 years of experience serving 27.8 million people. It has a network of 1.3 million doctors. The company has an A AM Best Financial Rating, indicating its financial health and solvency. UnitedHealthcare’s networks include 80,000 providers in 44 states and the District of Columbia. QualSight LASIK offers physicians up to a 35 per cent savings on laser eye surgery (LASIK). Your overall rates will be lower if you bundle your vision insurance with other UnitedHealthcare coverage, such as health or dental.
Plan A and Plan B are the two comprehensive vision plans offered by UnitedHealthcare. People who wear either glasses or contacts should choose Plan A, while those who wear both should choose Plan B. Plan A premiums start at $10.40 per month, while Plan B premiums start at $14.30 per month. Neither plan has a waiting period. Both plans feature $10 copays for eye exams, $10 copays for lenses, a $150 in-network frame limit, and no copays for contact lenses.
Humana is perfect for contact lens wearers because it offers a variety of plans that include contact lens allowances and have no annual deductibles. Humana was formed in 1961 in Louisville, Kentucky, and is the country’s largest hospital owner and operator. Humana even has a foundation that helps disaster-stricken areas and supports Louisville-based health organisations. A yearly vision exam is included in Humana plans for a $10 to $15 copay. The HumanaOne Vision Focus Plan provides you with $115 in contact lenses. The Humana Vision PPO includes a $150 contact lens allowance and a $40 annual contact lens fitting appointment. You’ll never spend more than $40 for a yearly eye exam under either plan, and you won’t have to give a deductible if you choose the Vision PPO.
Humana offers two vision plan options: the HumanaOne Vision Focus Plan and the Humana Vision PPO. The cost of coverage and the alternatives available vary by state, with most plans costing between $13 and $16 per month. When you sign up, you’ll get charged a $35 initiation fee. But if you bundle with dental insurance, the amount is waived.