Individual & Family Vision Insurance

Family vision insurance helps offset the costs of routine eye exams and helps pay for vision correction wear, like eyeglasses, that may be prescribed by physicians or eye-care specialists. Family vision insurance is generally considered supplemental insurance, which means that consumers generally buy vision insurance in addition to other types of medical insurance policies. Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK.

But unlike major medical insurance policies that may provide unlimited benefits after a certain co-pays and deductibles are met, most family vision insurance plans are discount plans or wellness benefit plans that provide specific benefits and discounts for an annual premium.

Individual and Family Vision Insurance

At Shelton Insurance, we can help you fully understand the costs and benefits associated with the family vision insurance plans you are considering. If you have vision care coverage through a plan at work, we’ll show you how family vision insurance plans usually operate differently than other health insurance plans or major medical insurance.

We provide:

  • Vision insurance plans for Families
  • Vision insurance plans for Kids
  • Vision insurance plans for Seniors
  • Vision insurance plans for Students

When you buy family vision insurance, you receive access to a network of providers, including optometrists and ophthalmologists, eyewear stores, optical laboratories and LASIK surgeons, plus routine, preventive eye care services at reduced rates.

Family vision plans often pay at least a portion of:

  • Basic preventive care such as eye exams and vision tests.
  • Eyeglass lenses.
  • Contact lenses.
  • Eyeglass frames.
  • Lens protection for glasses, such as scratch-resistant coating.

Many family vision insurance plans have additional options for coverage, such as:

  • Daily disposable contact lens coverage.
  • Discounts on corrective eye surgery such as Lasik.

Family vision insurance may not pay for eye care related to medical issues. If your optometrist finds medical problems during your vision exam, he or she would refer you to a medical eye doctor such as an ophthalmologist. Although vision insurance may not cover medical services for your eyes, health insurance often does.

Family vision insurance typically comes in the form of either a vision benefits package or a discount vision plan. Typically, a vision benefits package provides free eye care services and eyewear within fixed dollar amounts in exchange for an annual premium or membership fee and a relatively small co-pay (fixed dollar amount) each time you access a service.

In some cases, a vision benefits package or discount vision plan may also include a “deductible” — a fixed dollar amount you must pay your eye care provider out-of-pocket before the insurance benefits take effect.

Ready to get vision insurance for your family? We’re here to listen to your questions and help you get answers. Sometimes talking over the phone is easier. Call us at (831) 637-8941.

At Shelton Insurance, the health of our employees, clients and community is very important to us. Together, we are facing a truly unprecedented situation. During this time, we wanted to update you on how we are approaching the situation here at Shelton Insurance. Due to health and safety concerns, we will be keeping our office doors closed. We have prepared a plan for the continuation of our services and will be available normal business hours through phone, email, and web conferencing. We apologize for any inconvenience this may cause. Please note that each insurer is waiving cost-sharing for medically necessary screening and testing for COVID-19.

Shelton Insurance is here to support your insurance needs with our team of dedicated staff members. Please contact us at (877) 727-1122 or email us at reception@shelton-insurance.com. As we go forward, we’ll be sure to keep you updated, and know that we always value your questions, ideas and feedback.

Thank You,
Your Shelton Insurance Team