Vision Insurance in Hollister, CA
What Is Vision Insurance?
Vision insurance is a relatively inexpensive way to get preventative eye care. It can often be purchased through your employer, an association, union or government programs, such as Medicare or Medicaid. You may also be able to buy it as a standalone policy. Contact Shelton Insurance for more information on the policies we offer.
What Does Vision Insurance Cover?
Your vision insurance policy can help make routine eye care more affordable for you or your family. Coverage options may vary, but vision care is commonly used to help pay for the following:
- Contact lenses
- Glasses and frames
- Annual exams
When deciding whether or not to purchase vision insurance, you should think about your vision needs (e.g., any upcoming eye surgeries or prescription needs) as well as the needs of your family. If you see an eye doctor regularly or require specialty procedures, vision insurance could be right for you.
How Much Does Vision Insurance Cost?
Like health insurance, the cost of your vision insurance will vary with your insurer and the details of your policy. Consider the following factors that could impact your rates:
- The number of people on your plan
- Your location
- The type of benefits you choose
- Your age
Does Vision Insurance Include Eye Exams?
Vision insurance plans generally include routine eye exams as a core part of coverage, since these visits help detect changes in vision as well as broader eye health concerns. The frequency allowed for exams depends on the specific plan selected, with many plans allowing one exam within a set period. Some plans also distinguish between routine exams and medical eye exams, which may fall under health insurance rather than vision insurance. Because plan details differ, an agent can review the specifics of a policy and explain what exams are included.
How Often Can I Get New Glasses?
Most vision insurance plans allow policyholders to receive new glasses on a set schedule, often tied to a yearly or multi year cycle depending on the plan. Some plans separate the allowance for frames and lenses, which means the timing for replacing each piece may differ. Some plans also offer a set allowance amount that can be used toward frames, lenses or contact lenses rather than a strict item by item benefit. Since these schedules and allowances vary widely between plans, it helps to speak with an agent who can explain the exact terms tied to a specific policy.
Does Vision Insurance Cover Contact Lenses?
Many vision insurance plans offer coverage for contact lenses as an alternative to glasses, though the structure of this benefit can vary from one plan to another. Some plans provide a set allowance that can go toward either glasses or contacts, while others offer separate benefits for each. Specialty lenses, such as those prescribed for certain medical conditions, may also be treated differently than standard contact lenses under some plans. An agent can help clarify which contact lens options and allowances apply under a given policy.
Can I Combine Vision and Dental Insurance?
Vision and dental are sold as separate types of coverage, but some insurers and marketplaces offer them together as a bundled package or as a combined enrollment through an employer. Bundling does not merge the benefits themselves, so each coverage keeps its own premium, deductible, annual maximum, benefit schedule and provider network.
How Can I Get Covered?
The agents at Shelton Insurance are here to help you find the right insurance coverage for you. Call us at 831-637-8941 to learn more about our vision plans and to get a customized insurance quote today.