Is Vision Insurance Worth It?
Yes vision insurance is worth it. Even if you have 20/20 vision there are benefits to having vision coverage. Below are the benefits and a cost comparison of vision coverage
- Better Eye Sight is a big benefit. It is important to go to the opthomoplogist/optometrist yearly to make sure you are still using the correct eyeglasses or contacts
- Annual Ophthalmologist visit for a Copay. Which can prevent/diagnose eye cancer as well as dilate your eyes.
- More affordable than going Uninsured
- Less Headaches from straining your eyes to see
- Medically necessary contacts at no cost
- Very Low Cost Premium
Benefits of Vision Insurance
If you cannot see the benefits above, I will make sure to make the quote button below extra big (Dad Joke). Having vision coverage costs anywhere from $6-$15 per individual which is very affordable. Most vision providers give an allowance for frames which generally is pretty close to yearly premium paid into plan. The plan pays for itself and gives you additional discounts as long as you use it. Insurance companies make money by hoping you do not use your plan. Going to the opthamologist/optometrist once per year justifies the low premium for the plan.
Below you will find a cost comparison of uninsured vs insured vision coverage.
Vision Cost Comparison Uninsured vs Insured
| Uninsured | Insured | |
|---|---|---|
| Initial Patient Exam | $200 1 | Copay $5-$30 |
| Established Patient Exam | $128 1 | Copay $5-$30 |
| Refractive Test | $46 1 | Included w/ Copay |
| Frames | $35-$500+ 2 | $100+ Allowance Allowed for Frames (Includes additional Discount after allowance) |
| Single Vision Lenses | $98 2 | Copay $5 - $35 |
| Contacts | $175 - $1400 3 | Discounts w/ Network in addition to $100+ Allowance |
| Lasik | $1,000 - $3,000 per Eye 4 | Some plans offer (5%-15% in Discounts) |
http://fairhealthconsumer.org/1
https://www.choosevsp.com/cost-and-coverage.html2
https://www.acuvue.com/why-contact-lenses/cost-of-contact-lenses3
https://www.vsp.com/eyewear-wellness/lasik-glasses-lenses/lasik-eye-surgery-cost4
Vision is one of the many coverages we recommend for groups. As you can see from the above breakdown Vision insurance is indeed worth it, it pays for itsself.
Even if you only go to one visit per year to the optometrist you are saving a subtantial amount. If you would like to quote your Group Health Insurance use the Sanus Benefits Portal.
You are able to use it at no cost and compare 1000s of plan options. Including Group Vision Plan Options as well as Health, Dental, and Vision. After quoting you can also utilize the portal to enroll and administer your group benefits moving forward. Click the button below to get started.
