Looking for a Health Insurance Quote?

Get a free quote in under 5 minutes with our online form!

GET A QUOTE

Best Vision Insurance | 10 Highest Rated & Affordable Plans [2019]

Meredith Miller Published: July 03, 2019 Updated: July 03, 2019

Female wearing glasses

Today, we’ve decided to take a close look at some of the best vision insurance plans available in 2019. As with most healthcare options, your eye coverage will likely come at a cost. That’s why we’ve decided to factor in pricing to help determine your best options.

What Is Vision Insurance?

Vision insurance, or eye insurance, is unlike traditional health insurance plans. Typically, medical insurance policies cover benefits after all copays and deductibles have been satisfied. Eye insurance usually consists of discounts schedules and wellness benefit plans. These eye insurance plans offer significant savings that can be used on progressive lenses, anti-reflective coating, making the cost more affordable to the consumer.

Is It Included In Traditional Health Insurance Plans?

While vision coverage may sometimes be included as part of your employer benefits or individual policies, eye insurance is typically purchased as a stand alone plan. Even with health insurance plans that include vision, your coverage will likely remain limited, which is why it’s still a good idea to explore more comprehensive supplemental options.

The primary advantage of these supplemental policies is to provide affordable eye care for yourself and your family. Affordable eye care affects over 80% of the general population suffering from visual impairments.

How We Ranked The Best Eye Insurance Plans Of 2019

The best insurance vision plans are ranked in regards to coverage including yearly eye exams, correct vision wear, examinations for contact lenses, and eye surgery procedure such as LASIK surgery to permanently correct a vision impairment issue. Also, the best vision insurance plans usually offer flexible spending accounts which can be used as pre-tax dollars to assist in vision care expenses.

1. VSP Direct

VSP Direct is offered by over 36,000 eye care providers. VSP Direct can be purchased through employee group plans or purchased individually. The standard coverage covers most eye care needs. Annual eye exams are offered and a choice of new contact lenses or prescription eyeglass yearly. An allowance for LASIK surgery procedures is also included in the policy’s benefits.

2. EyeBenefits

Unlike traditional plans that are paid monthly, EyeBenefits premiums are paid yearly. There are no caps on the number of times coverage can be used during the year. Routine eye care is paid by a percentage of the cost of the service. Coverage can be purchased in increments of one to three years. EyeBenefits offers a 20% discount on eye examinations for eyewear and a 30% discount on contact eye examinations.

Discounts depend on the provider the member uses. Some LASIK providers discount can be as high as 50%. EyeBenefits offers a network of 12,000 locations such as Lenscrafters and VisionWorks. No discount is offered for any provider, not in EyeBenefits network of providers.

3. Vision Plan Of America

Vision Plan Of America offers some of the most reasonable rates in vision care insurance plans. Your network provider is extremely limited since the policyholder can only choose one eye care provider with their plan. However, the plans offer additional lenses options when purchasing eyeglasses and $190 incentive toward the purchase of progressive type lenses.

4. Humana Vision Plans

Humana policy offers its benefits at a flat rate. Premium payments are offered at a monthly rate. Discounted prescription eyeglasses are offered through FramesDirect.com. Reasonable rates are offered for eye exams and yearly eye frame replacements are offered. Low rates for eye exams, yearly eye frame replacements, and affordable premiums and copays make Humana a formidable contender in the vision health policy business.

5. Aflac

Aflac offers a cash benefit for annual eye exams. All benefits are paid directly to the policyholder. Typically, Aflac will pay $45 for eye exams and $175 for new eyeglasses. What it lacks in coverage, it makes up for in affordability.

6. UnitedHealthcare Vision

One of the best benefits of the United Health Care plan is no waiting periods and coverage is covered for all ages. Both network and out of network providers are covered. Typically eye exam copay is $10. Discounts are available for laser eye surgery.

7. Aetna Vision Preferred

Aetna is offered through its vast network of independent agents. Aetna is the primary choice for eye health care coverage for federal employees. Benefits include retinal imaging discount, LASIK eye surgery discount, a 40% discount on the second pair of glasses. The plan also offers discounts elusive only to Aetna policyholders.

8. BlueCross

Blue Cross eye healthcare plan is offered through EyeMed. Policyholders have access to over 18,000 providers. These providers include operettists, ophthalmologists, and opticians. The plan offers discounts up to 50% off eyewear and eye care procedures including LASIK surgery. Replacement contacts are offered by mail order service.

9. Davis Vision

Transitions Signature lenses are offered with a very affordable co-pay of $65. Coverages are offered for annual eye exams, eyewear, eye health, and wellness management.

10. Ameritas

Ameritas is offered through individually to policyholders. Ameritas offers access to the VSP and EyeMed. Significant savings are offered for purchases made for frames and lenses from Walmart Vision Centers nationwide. The plan has no deductibles and pays $40 for an annual eye exam.