Vision Insurance for Seniors

Vision Insurance for Seniors


When you have reached old age, it becomes necessary to wear glasses or contact lenses to rectify your weakening eyesight. One study shows that more than 90% of seniors use glasses/contact lenses. But shockingly, neither medicare part A nor B provides complete 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 here: What is the best vision insurance for seniors? We have shortlisted the best vision insurance plans for seniors in this blog.

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 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 coverage. 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. 

Plans at EyeMed 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. 

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.

How does vision coverage work?

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

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. 

How to get enrolled? 

It isn’t easy to find comprehensive vision insurance for seniors. Nowadays, most insurance providers use online quiet systems that help you pick a policy and enroll. It can take merely 3 minutes to enroll yourself online. 

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