Clearer Vision Starts With the Right Coverage

Your eyesight plays an important role in your everyday life—from working and driving to reading, using digital devices, and enjoying time with family and friends.

Vision insurance can help make routine eye care and eligible vision-related expenses more affordable by providing benefits for services and products covered under your plan.

At SecureWay Insurance, we help individuals and families understand vision coverage options and choose protection that fits their everyday needs.

WHAT IS VISION INSURANCE?

Vision insurance is designed to help reduce the cost of certain eye-care services and vision products.

Depending on the plan, benefits may include:

• Routine eye examinations

• Prescription eyeglasses

• Frames

• Prescription lenses

• Contact lenses

• Lens enhancements

• Certain discounts on vision services

• Other eligible vision-related services

Benefits vary by plan, provider, location, and policy terms.

WHY VISION INSURANCE MATTERS

Regular eye examinations can do more than determine whether you need glasses or contacts.

Eye-care professionals may identify changes in your vision and detect signs of certain eye conditions.

Vision coverage can help make routine eye care more accessible while reducing some of the out-of-pocket costs associated with eligible services and corrective eyewear.

WHAT CAN VISION INSURANCE COVER?

Routine Eye Exams

Many vision plans provide benefits toward routine eye examinations.

An eye exam can help determine whether your prescription has changed and may help identify potential vision concerns.

Eyeglasses

Depending on the plan, coverage may help with eligible:

• Frames

• Prescription lenses

• Lens materials

• Certain lens options

• Replacement eyewear

Your plan may have specific allowances, frequency limits, or provider requirements.

Contact Lenses

If you prefer contact lenses instead of glasses, some vision plans provide benefits toward eligible contact lenses.

Coverage can depend on:

• Contact lens type

• Prescription

• Frequency

• Allowance

• Plan design

Lens Enhancements

Certain plans may provide benefits or discounts for lens features such as:

• Anti-reflective coatings

• Progressive lenses

• Specialized lens materials

• Other eligible enhancements

VISION INSURANCE FOR INDIVIDUALS

Individual vision coverage may be useful if you don’t have vision benefits through an employer or another group plan.

When comparing individual plans, consider:

• Monthly premium

• Eye-exam benefits

• Frame allowance

• Lens coverage

• Contact-lens allowance

• Provider network

• Frequency of benefits

• Waiting periods

• Out-of-pocket costs

A plan with a low premium isn’t necessarily the best value if its benefits don’t match your needs.

VISION INSURANCE FOR FAMILIES

Vision needs can differ from one family member to another.

Children may need regular vision examinations as they grow, while adults may require updated prescriptions, corrective lenses, or contact lenses.

Family vision coverage may help provide benefits for eligible members while making routine vision expenses easier to plan for.

When reviewing family coverage, consider:

• Number of family members

• Children’s vision needs

• Existing prescriptions

• Frequency of eye examinations

• Eyeglasses or contact-lens needs

• Preferred eye-care providers

VISION COVERAGE FOR CHILDREN

Good vision can play an important role in a child’s learning and development.

Children may not always recognize or communicate that they are having difficulty seeing clearly.

Regular eye examinations can help identify vision problems that may otherwise go unnoticed.

Depending on the plan, vision insurance may provide benefits toward eligible children’s:

• Eye examinations

• Prescription glasses

• Lenses

• Frames

• Contact lenses

VISION INSURANCE FOR ADULTS

Vision needs can change throughout adulthood.

You may notice:

• Difficulty reading

• Blurred vision

• Eye fatigue

• Difficulty seeing at night

• Changes in prescription

• Increased sensitivity to light

Regular eye care can help you stay informed about changes in your vision and maintain appropriate corrective eyewear.

VISION INSURANCE & DIGITAL SCREEN USE

Many people spend significant portions of their day looking at computers, phones, tablets, and other digital screens.

While vision insurance doesn’t necessarily cover every issue associated with screen use, having access to routine eye examinations can help you keep track of changes in your vision.

Your eye-care professional can also provide appropriate guidance based on your individual circumstances.

WHAT DOES VISION INSURANCE COST?

Vision insurance premiums vary depending on the plan and your circumstances.

Factors may include:

• Individual or family coverage

• Location

• Plan design

• Provider network

• Benefits included

• Frame allowance

• Lens benefits

• Contact-lens benefits

• Frequency of covered services

When comparing plans, look at both the premium and the potential out-of-pocket expenses.

VISION INSURANCE VS. HEALTH INSURANCE

Vision insurance and health insurance serve different purposes.

Health insurance generally focuses on broader medical care, including illnesses, injuries, hospital services, and other healthcare needs.

Vision insurance generally focuses on routine vision care and eligible corrective eyewear.

Some medical eye conditions may be handled under a health insurance plan rather than a routine vision plan.

Understanding this distinction can help you avoid unexpected costs.

WHAT VISION INSURANCE MAY NOT COVER

Vision plans don’t necessarily cover every eye-related expense.

Depending on the policy, exclusions or limitations may apply to:

• Certain medical eye conditions

• Elective procedures

• Cosmetic treatments

• Services outside the provider network

• Expenses exceeding plan allowances

• Certain specialty lenses

• Replacement eyewear outside the plan’s benefit frequency

• Other services specifically excluded by the plan

Always check the specific plan documents before receiving care.

VISION INSURANCE & LASER EYE SURGERY

Procedures such as LASIK may not be covered in the same way as routine eye examinations or prescription eyewear.

Some vision plans may provide discounts toward eligible procedures rather than paying the full cost.

If laser vision correction is important to you, check the plan’s specific benefits and participating providers.

UNDERSTANDING VISION INSURANCE TERMS

Premium

The amount you pay to maintain your vision coverage.

Copayment

A fixed amount you may pay for an eligible covered service.

Deductible

An amount you may be required to pay before certain benefits begin, depending on the plan.

Allowance

A specified amount the plan may contribute toward eligible eyewear or services.

Provider Network

The group of eye-care professionals and facilities that participate in the plan.

Benefit Frequency

How often you can receive a particular covered service or benefit, such as an eye examination, frames, or lenses.

HOW TO CHOOSE A VISION PLAN

Start With Your Eye-Care Needs

Think about how often you need eye examinations and whether you regularly purchase glasses or contacts.

Check Your Preferred Provider

If you already have an optometrist or ophthalmologist you prefer, check whether they participate in the plan’s network.

Compare Eyewear Benefits

Look at the frame allowance, lens benefits, contact-lens benefits, and applicable frequency limitations.

Consider the Total Cost

Compare your annual premiums with expected copayments, allowances, and out-of-pocket expenses.

Read the Limitations

Pay attention to waiting periods, exclusions, provider restrictions, and benefit frequencies.

WHEN SHOULD YOU REVIEW YOUR VISION COVERAGE?

Your vision needs may change over time.

Consider reviewing your coverage if:

• Your prescription changes

• You begin wearing glasses

• You switch to contact lenses

• Your child needs corrective eyewear

• You move to a different location

• Your preferred eye doctor changes

• Your employer coverage changes

• Your family circumstances change

WHY SECUREWAY INSURANCE?

At SecureWay Insurance, we believe insurance should be easier to understand.

We help individuals and families consider important factors when reviewing vision coverage, including:

• Eye-exam benefits

• Eyeglass allowances

• Contact-lens benefits

• Provider networks

• Copayments

• Benefit frequency

• Exclusions and limitations

Our goal is to help you understand your options so you can choose coverage with greater confidence.

FREQUENTLY ASKED QUESTIONS

What does vision insurance cover?

Depending on the plan, vision insurance may provide benefits for routine eye examinations, prescription glasses, frames, contact lenses, and certain other vision-related services.

Does vision insurance cover glasses?

Many vision plans provide an allowance or other benefits toward eligible glasses, including frames and prescription lenses.

Does vision insurance cover contact lenses?

Some plans provide benefits toward eligible contact lenses. The amount and frequency of coverage vary.

Does vision insurance cover eye exams?

Many vision plans include benefits for routine eye examinations, subject to the plan’s terms and frequency limitations.

Is vision insurance included with health insurance?

Not necessarily. Health insurance and vision insurance are generally separate types of coverage, although some health plans may provide certain vision-related benefits.

Does vision insurance cover LASIK?

Routine vision plans generally don’t cover the full cost of LASIK. Some may provide discounts or other benefits toward eligible procedures.

Can children have vision insurance?

Yes. Vision plans can provide benefits for eligible children, including routine eye examinations and corrective eyewear.

Can I use my own eye doctor?

That depends on the plan. Some plans have specific provider networks, so confirm whether your preferred eye-care professional participates before receiving services.

How often can I get new glasses through vision insurance?

The frequency varies by plan. Some policies provide benefits for frames and lenses on a specific schedule, such as once every 12 or 24 months.

SEE THE VALUE OF BETTER VISION PROTECTION

Taking care of your eyesight is an important part of looking after yourself and your family.

With the right vision coverage, eligible eye-care services and corrective eyewear can become easier to budget for, helping you stay on top of routine vision needs.

SecureWay Insurance can help you explore your vision insurance options and understand the benefits, costs, and limitations before making a decision.

Vision insurance benefits, premiums, provider networks, allowances, copayments, deductibles, waiting periods, exclusions, frequency limitations, and eligibility requirements vary by insurer, plan, location, and individual circumstances. This page is provided for general informational purposes only and does not guarantee coverage or benefits. The applicable policy or plan documents control the actual terms of coverage.