Vision insurance policies usually cover routine eye exams and other procedures, and provide specified amounts or discounts for the purchase of eyeglasses and contact lenses. Some vision insurance policies offer discounts on refractive surgery, such as LASIK and PRK.

Potentially high costs of routine eye examinations and prescription eyewear can be a concern for many people, especially for large families. You might be able to lessen some of these costs by looking into getting vision insurance for yourself.

Vision insurance only complements regular health insurance. Regular health insurance plans protect you from financial loss due to unexpected eye injury or disease. Vision insurance, however, is a wellness benefit designed to reduce your costs for routine, preventive eye care such as eye exams, eyewear and other services.

Vision insurance generally covers the following basic services:

  • Annual eye examinations
  • Eyeglass frames
  • Eyeglass lenses
  • Contact lenses
  • Discounted rates for LASIK and PRK