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Vision Insurance: Understanding the Fine Print


Family Wearing Glasses and Blowing Bubbles

Many people neglect to consider their vision insurance plan, regarding it as unimportant. However, the cost of eye care is not something to ignore. Vision correction, such as eyewear and therapy, as well as management of eye disease can take a large cut out of your budget if you do not have supplemental insurance. Vision insurance generally helps to defray the expense of eye exams and eye care, in addition to providing emergency benefits.

What Should I Look for in My Vision Insurance?

Vision insurance can be very confusing and knowing what to look for is important when determining the best plan for your family. It is essential to know your basic eye care needs. Check to see which of the following is covered, and how often:

  • Types of eyewear: eyeglasses and contact lenses. What allowances does the insurance provider give? Is it a flat rate or a percentage? Are optional features, such as UV coating, included?
  • Eye exams
  • LASIK surgery

Pay attention to how often you can use your benefits. Some vision insurance providers permit you to have eye exams and purchase new lenses yearly, while others allow you to use your benefits with no annual limitations. Last, but not least, customer resources are significant. Your vision insurance provider should offer full and friendly support to answer your questions over the phone or email, with a quick response time.

A Look at: Vision Service Plan (VSP), Superior Vision & EyeMed

At Eye Country, we accept the vision insurance plans: Vision Service Plan (VSP), Superior Vision and EyeMed, in our offices in Fredericksburg and Llano, TX. Let’s explore these options with a basic review of the plans.

Vision Service Plan (VSP)

VSP offers vision insurance for individuals who want (or need) to enroll in eye care on their own, instead of through an employer. Their Standard Plan pretty much covers all the basics you require. There is comprehensive coverage for annual eye care, including a WellVision Exam. This eye exam inspects your visual acuity and any medical issues that may affect vision.

Also, VSP’s Standard Plan grants allowances for eyeglass frames or contact lenses for a minimal copay. Single vision lenses, as well as lined bifocals and trifocals, are covered every 12 months. There is also copay coverage for optional lens treatments, such as tinting, anti-glare, and UV protection. If you need a second pair of prescription glasses or sunglasses, the cost is discounted. Contact wearers receive a discounted contact lens eye exam. VSP has additional policies that provide an allowance for LASIK refractive surgery.

In sum: VSP offers minimal copays and high allowances. It gives affordable coverage whether you have this plan through your employer or you enroll on your own.

Superior Vision

This vision insurance provider covers routine eye exams and corrective eyewear, including eyeglasses frames and lenses, and contact lenses. Superior Vision manages vision and ocular health benefits for managed care, and offers plenty of experience working with programs such as Medicare Advantage, Medicaid, CHIP and other government-sponsored plans.

Many retirees use Superior Vision for primary vision care benefits from an extensive network of eye doctors. Glasses are discounted by 20% off the difference between your chosen retail frame and the retail frame allowance. Also, lens upgrades and options on standard glasses are generally discounted 20% off the retail rate.

In sum: eye exams and eyewear are provided once every calendar year, with a low copay.


First of all, note that EyeMed does not offer plans for private individuals or families; it is only available through your employer. If your employment offers it, the policies differ, yet these are the basics.

This insurance company offers a wide selection of insurance options and plans. Benefits include discounted eye exams, reduced costs on contact lens solutions, and up to 40% off regular eyewear prices. They also offer lower prices for ordering replacement contact lenses online. A unique benefit from EyeMed is that they offer a percentage off LASIK.

EyeMed makes it easy to reach out for more information and get answers to your questions. They have convenient phone numbers, email forms and addresses to contact for specific issues.

In sum: EyeMed is a leading force in vision insurance, offering an economical combo of vision benefits and ocular wellness resources.

How does medical insurance differ from vision insurance?

In addition to providing coverage for your vision needs, medical insurance usually covers the management of eye disease and other unforeseen eye complications or injuries. When you submit a medical insurance claim, your insurance company will typically approve it if it is based on your eye doctor’s diagnosis of an eye health condition. Also, comprehensive medical care, such as dilated eye exams and treatment for macular degeneration, glaucoma, cataracts and other diseases, is usually covered by medical insurance policies.

At Eye Country, serving Fredericksburg, Llano, and all surrounding neighborhoods in Texas Hill Country, we accept the following Medical Insurance Plans:

Aetna, Beech Street, Blue Cross Blue Shield, Cigna, First Health, Galaxy Health, Great West, HealthSmart, Medicare, MultiPlan, Secure Horizons, Texas True Choice, Tricare, United HealthCare

We’re Here to Help!

Making sense of your vision insurance or medical health insurance plan can be tricky and confusing. Our staff is knowledgeable about the different policies and how to make the most of your benefits. Are you having trouble with all the details? Please contact our office for assistance with understanding your vision insurance.