Will you need vision insurance if you don’t need glasses?

illustration of an eye test covered by vision insurance

Do you need vision insurance if you don't wear glasses?

Even if you don’t wear glasses, it’s a good idea to get vision insurance as it covers the cost of eye exams, corrective eyewear and more.

You can get vision insurance through your employer or, if you’re self-employed, a contract worker or don’t have the option from your job, you can purchase an individual vision plan on your own.

Monthly premiums are lower if you’re insured through your employer — typically just a few dollars per pay period — while individually purchased plans usually range from $10 to $30 per month.

Why do you need vision insurance?

Your vision insurance covers all or most of the cost of an annual eye exam, and comprehensive eye exams can tell you a lot about your ocular and overall health.

For example, your eye doctor may find signs of conditions that may have otherwise gone undetected, including diabetes, glaucoma, high cholesterol and some forms of cancer. 

Your eye exam is also how your eye doctor assesses your vision to determine whether you need glasses, contact lenses or vision surgery.

If you need glasses or contacts, your vision insurance will cover a big chunk of those costs.

Your vision insurance can cover more than just you. Covering your spouse and children can multiply your annual savings on eye exams and eyewear.

SEE RELATED: Eye exams: 5 reasons why they are important

What is covered by vision insurance?

Vision insurance covers eye exams, eyeglasses and contact lenses, and many vision insurance plans include allowances or discounts for photochromic lenses, scratch-resistant and anti-reflective coatings, and other lens upgrades.

Some vision insurance plans also offer discounted rates on corrective surgery such as LASIK

The question, though, should really be "What is covered by your vision insurance?" because coverage differs in copay amounts, eye exams tests (retinal scan may not be included) and how often you can use your benefits to get glasses or contacts.

For example, some vision insurance plans only cover the cost of contact lenses or eyeglass lenses every 12 months, and it’s possible new frames are only covered every 24 months.

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