Vision Insurance Coverage

Vision Insurance

Vision insurance is one of the insurance benefits normally covered in large group health insurance policies, but rarely in individual health insurance. The most commonly covered vision basics are annual eye examinations where there is a complete evaluation of the eyes, including tests for eye health and a refraction to determine the need for glasses.

When glasses are indicated for the patient, the frames and lenses will be provided. The replacement of lenses is usually done when needed, sometimes as often as every year. The replacement of frames is done at longer intervals, generally every two years, depending on the vision plan. Contact lenses can also be covered, if the vision cannot be corrected with glasses. However, contacts may be indicated as a medical necessity in some eye conditions, such as following cataract surgery.

Read more about what these other types of coverage entail, and see if they will benefit you.

Key Facts...

In 2005 $2 trillion was spent on health care services in the United States. On average, each person was responsible for a total annual health care bill of $6,700. Is your health insurance plan working for you and your family?

Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006).

Health care costs in the United States rose an unprecedented 6.9% in 2005, more than double the rate of inflation. These costs are expected to rise at similar levels for the next decade. Protect your health and your wallet by investing in a health insurance plan that is right for you.

Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006).

A 2003 study by The Henry J. Kaiser Family Foundation determined that over one third of uninsured adults reported having trouble paying their medical bills. Safeguard yourself and your family against future debt by finding a high quality health care plan.

Source: The Henry J. Kaiser Family Foundation. Access to Care for the Uninsured: An Update. 29 September 2003.