Vision and optical health can significantly affect your overall quality of life and general wellness. Additionally, your eyes may provide a window into other aspects of your health, potentially revealing issues and conditions occurring in different parts of your body. However, accessing and affording optical health products and services can require a thorough understanding of vision insurance.

What Is Vision Insurance?

As its name suggests, this type of policy focuses on providing coverage for medical needs related to your eyes and vision. Like dental coverage, this insurance is typically separate from general health plans; when seeking vision-related health care, you’ll likely need a specific vision insurance policy.

What Does My Policy Cover?

Many services and products may be covered under a vision insurance policy. Your coverage’s exact parameters may vary significantly, but you may receive financial assistance when seeking the following:

• Checkups

• Screenings

• Frames

• Lenses

• Contacts

• Elective procedures (e.g., LASIK)

How Often Can I Use My Coverage for Exams and Eyewear?

Paying for eye exams and glasses are among the most common uses of vision insurance, but your policy likely has limitations regarding how often you can tap its resources for such things. The exact capabilities and limitations of your coverage can vary, but many policies may cover annual exams while also providing funds for eyewear either once per year or every other year.

Do I Need a Vision Plan if I Have Health Insurance?

In most cases, you’ll need separate vision insurance, as general health plans do not cover optical or dental services and products. One of the primary exceptions is pediatric care; if you’ve also listed your children on your health insurance policy, they can typically access vision-related care.

Get the Right Coverage

Contact C.J. Noel Insurance Services today to learn more about vision coverage or compare personalized quotes.