Vision Insurance for Seniors: Know Your Options

Updated: November 9, 2022
Vision Insurance for Seniors

When you have reached old age, wearing glasses or contact lenses to rectify your weakening eyesight becomes necessary. One study shows that more than 90% of seniors use glasses/contact lenses. But shockingly, neither Medicare part A nor B provides completes coverage for vision. It is fair to sign up for a vision insurance plan to protect your eyesight when you become a senior. However, one important question arises: What is the best vision insurance for seniors? We have shortlisted the best vision insurance plans for seniors in this blog.

What Is Vision Insurance for Seniors?

Seniors’ vision insurance is very similar to their health insurance. As a result, it will only cover eye care. Basic health care, such as eye tests, can be included in various policy alternatives. More extensive alternatives will cover surgical treatments and elaborate treatment regimens for a broader range of seniors’ health concerns. Seniors should be aware of the many alternatives accessible to them regarding vision insurance coverage as they age.

What Does Senior Vision Insurance Cover?

Seniors can get vision insurance plans that cover as much or as little as they want. There are, however, two main types of plans.

  • Vision benefits packages: If you are a senior, you’ll likely have access to a certain amount of money for vision benefits. The money can be used for things like eye exams, glasses, and other kinds of care. The senior chooses how much of a benefit he or she wants basing on how much insurance he or she buys.
  • Discount Vision Plans for Seniors: No set amount of money can be spent here. Instead, the older person pays into the program and gets a discount on the eye care they need. For example, no matter how much they spend, they may get a 20 percent discount on the services listed in the plan.

The Best Vision Insurance for Seniors 

1. VSP 

VSP is one of the most popular insurance providers of vision coverage. One in every four persons has enrolled in the VSP senior vision insurance plan. They have a broad network of associated doctors around the country, which makes it easy to find a doctor nearby. You only have to pay $13 per month for vision coverage. 

Moreover, their affordable plans don’t have deductibles, making them comprehensive coverage with reasonable policies. 

 

2. Humana 

Humana offers both dental and vision plans for seniors. It is perfect vision insurance for seniors as it has an easy quote system and fills the shortcomings of Original Medicare. 

 

To see the dental and vision policies options, you need to enter your ZIP code, date of birth, and gender. Their vision policies start from $14/month. 

3. EyeMed 

Unlike other vision insurance providers, who only allow a single pair of glasses, EyeMed has a flexible policy on the number of glasses you can buy under the vision insurance plan. 

 

Eyemed vision plans for seniors start from $18 per month. In addition, you have to pay between $130 and $200 for your first pair of glasses. And for your second pair of glasses, you will get a 40% off on the retail price. 

4. UnitedHealthcare 

UnitedHealthcare is the perfect choice for seniors who use both glasses and contacts. Unlike other insurance providers, it offers two tiers of coverage. 

UnitedHealthcare offers AARP health coverage.  AARP Medicare Advantage plans from UnitedHealthcare are Part C plans, which include Medicare Part A (hospital stays) and Part B. (doctor visits). Part C plans are administered by a private company and often incorporate Part D (prescription drug coverage). Original Medicare doesn’t cover AARP vision insurance for seniors, routine hearing, dental, or fitness.

Plan A of the vision insurance for seniors costs $11 a month while covering either glasses or contacts. On the other hand, Plan B covers both glasses and contact lenses for only $16 per month.

Additionally, UnitedHealthcare offers Medicare Advantage plans, including the best dental vision and hearing insurance for seniors.

5. Healthy Connect Wellbeing from Cigna helps you keep an eye on your eyesight and eye health.

The Cigna Healthy Connect wellness module covers most eye care costs for vision insurance. You can get this eye care insurance based on your needs. Learn more about Cigna vision insurance advantages.

Eye checkups

A routine eye exam involves seeing an eye doctor check your vision, update your contacts, etc.

Multiple factors can impair your vision. The condition may not be immediately apparent, delaying your visit to an eye doctor. If you ignore it, the problem can worsen and require significant surgery. Without vision insurance, you could spend a lot of money. So, if you have eyesight problems, see an expert very far away. In this circumstance, vision insurance can be helpful. Cigna’s vision insurance plan covers routine eye exams, saving you money.

Cigna’s eye care insurance coverage can minimise routine eye exam costs. Cigna covers frames, so you may preserve your style.

Cigna Vision Insurance covers the following:

  • Spectacle lenses
  • Eye Exam
  • Prescription sunglasses
  • Spectacle frames
  • Contact lenses

How does Vision Insurance Works?

Let’s briefly go over the process of vision coverage before jumping on the costs and ways to get enrolled in a vision insurance plan for seniors. 

Vision insurance is medical coverage that covers your vision-related care and treatment expenses. It helps you pay for:

  • Eye exams 
  • Glasses 
  • Contact lenses 

In addition, some policies also cover things like lens add-ons and corrective surgeries. The benefits you get through vision insurance depend on the plan you choose. 

Unlike most health and dental insurance, vision insurance doesn’t have a deductible. However, it includes copay that you have to pay from your pocket. It is a small amount that you have to pay your vision service provider when you visit them.

 

In addition to copay, you also pay your monthly premium. It is the amount of money you pay your insurance provider monthly for the coverage they give, independent of the fact that you used your benefits or not. 

Don’t mistake vision insurance as a substitute for medical insurance. Moreover, it also exempts some vision-related medical procedures, including: 

  • Medications 
  • Eye patches 
  • Therapies for eye/related disorders 
  • Optical surgeries to correct medical conditions 

Therefore, you must have Medicare health insurance while having vision insurance as well. 

Beware that many vision insurance companies may or may not have a broad network of associated doctors. So look for an insurance plan that has an extended network of doctors.

What does vision insurance not cover?

Vision insurance policies cover comprehensive eye exams and corrective eyewear. Medical insurance usually covers a wide range of other eye-related surgeries and treatments, including the following:

  • Cataract surgery and other medical procedures
  • Diabetic retinopathy and macular degeneration eye treatments
  • Prescription eye drops with glaucoma medication
  • As is the case with amblyopia, the eye is trained through the use of patches and other methods (lazy eye)

A medical condition that affects your eyes, like diabetes, only pays for eye exams if you have Medicare coverage for glaucoma and macular degeneration tests and treatment.

How much does vision insurance cost?

On average, vision insurance for seniors costs about $17/month and incurs copays. On the other hand, vision care without an insurance plan can cost around $600 annually, while the average cost for an eye exam is about $200. 

Why is Vision Insurance for Seniors a Good Investment?

It is a good idea to purchase vision insurance for the elderly, as ageing can lead to deterioration of eyesight and the development of several eye disorders, including macular degeneration, cataracts, and dry eyes. According to the American Optometric Association, complete eye exams for seniors over 64 should be done yearly. However, those with eye-related issues or poor eyesight should come in twice a year.

According to the NGO FAIR Health, an eye checkup can cost anywhere from $128 to $200, with an average co-pay of $20 per visit. If you have a reasonably priced insurance policy, the cost of a single eye checkup can easily cover premium costs. People over the 65 who require corrective lenses or see an optometrist for treatment of an eye ailment stand to gain the most financially by obtaining vision insurance coverage. There is a predetermined allocation for such expenses in vision insurance, which means that clients will pay less out of pocket when they need new contact lenses or spectacles.

Ultimately, whether or not vision insurance is worth the cost depends on whether or not you have a problem with your eyesight.

Protecting Your Eyesight and Your Health!

It can be difficult to decipher the ins and outs of any kind of insurance. It isn’t easy to find the best vision insurance for seniors on medicare. To get the finest plan, you need to give yourself plenty of time to do your research. Insurance searching should not be done until your present eyeglass prescription no longer works. To ensure that you have the coverage, you need to preserve your eyesight, and you should compare multiple estimates, chat with representatives, and learn about your alternatives. Nowadays, most insurance providers use online systems that help you pick a policy and enrol. It can take merely 3 minutes to enrol yourself online. 

Reach out Today at Newhealthinsurance and get affordable vision insurance quotes now!

FAQS

Which vision insurance is the most prevalent?

In our research, we found that Direct Vision’s vision insurance coverage is the most generally accepted, as it is available in all 50 states and has over 155,000 providers in its network.

How much coverage do I need for my vision?

The Affordable Care Act (ACA) does not require adults to purchase vision insurance; only children’s coverage is required. You may not need the same amount of insurance as someone else, and there is no set minimum amount.

Is it worth it to pay for vision insurance?

Even though there isn’t a set regulation, having vision insurance might save you a lot of money if you need more than just your annual eye exam and glasses or contacts. If you’re thinking about getting additional treatment, such as LASIK, you might be able to get a discount on it as well.

Do Medicare Advantage plans include coverage for dental and vision services?

In addition to providing the same benefits as Original Medicare, Medicare Advantage (Part C) plans can cover the costs of dental and eye care. Most of these plans also include prescription drugs, extras like hearing health coverage, and access to a gym.

Private insurance businesses offer Medicare Advantage programs. You can only choose from certain plans if you live in a certain area. The cost and coverage of dental and vision care vary from plan to plan.

What’s the best vision and dental insurance for seniors?

The best dental and vision insurance for seniors on Medicare depends on each policyholder. It’s not unusual to choose a health insurance plan different from your neighbor’s or your spouse’s.

Several insurance companies offer dental and vision coverage; among the finest are Aetna, Manhattan Life, and National General.

Does Medicare cover vision care?

Medicare and Medicare supplement insurance cover cataracts, but not a normal eye exam or corrective lenses. Getting a separate vision plan has several benefits.

  • Eye exams – Regular eye exams can discover health issues before they cause symptoms. Without vision insurance, eye exams are out-of-pocket. Medicare doesn’t pay for eye exams or glasses unless you have diabetes or other health conditions.
  • Vision insurance costs more than an eye exam — For young adults, an occasional eye exam (every ten years) may cost less out-of-pocket than insurance payments. What about eyeglasses and other preventive care? Vision insurance can save your wallet, especially if you’re a senior.
  • Use your eyes to their full potential – Healthy eyes go beyond clear vision. Poor eye health can cause headaches and other problems that affect school, job, hobbies, and health.

How do I choose the best plan for my vision insurance?

Any type of vision insurance plan should be chosen based on the individual customer’s needs. Seniors who need new spectacles or contact lenses every few years may benefit. Moreover, macular degeneration and cataracts require invasive procedures. Investing in a higher-quality plan is also wise.

Finding the most effective vision strategy can be as simple as calculating the average exam and comparing the results. It’s important to factor in the cost of a yearly or biannual trip to the eye doctor for the elderly. For example, would a 20 percent discount from a vision discount plan save you more money than $25 copay and your annual premium? You can also check the article if you want to buy long-term health insurance.

Still not sure? Check the best health insurance companies and get your insurance.

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