Protect Your Eye Health & Save on Vision Care
With YourMedPlan
Regular eye exams and proper vision care are essential for maintaining overall health. YourMedPlan guides individuals and families to find affordable vision insurance plans that help reduce out-of-pocket costs for routine eye exams, prescription glasses, contact lenses, and more. Our experts are trained to tailor comprehensive coverage, ensuring you and your family have access to quality eye care when you need it.
Vision Insurance:
Frequently Asked Questions
What does a typical vision insurance plan cover?
Most vision insurance plans cover one annual comprehensive eye exam, a set allowance or discount on eyeglass frames and lenses, contact lens coverage, and discounts on lens upgrades. Some plans may also offer discounts on LASIK and other corrective surgeries.
Is vision coverage included in ACA Marketplace health plans?
Under the Affordable Care Act (ACA), all Marketplace health plans are required to include vision coverage for children under 19 as part of the essential health benefits. This typically covers routine eye exams and corrective lenses. However, vision coverage for adults is not mandated and may not be included in all plans. Some Marketplace plans offer adult vision coverage, while others may provide it as a separate stand-alone plan.
Can I enroll in a vision plan even if I do not wear contacts or glasses?
Yes. Annual eye exams are important for detecting early signs of vision problems or other health conditions like diabetes and high blood pressure. Vision insurance can make preventive care more affordable even if you don’t currently use corrective lenses.
When can I enroll in vision insurance?
Vision insurance can typically be purchased year-round and is not limited to the ACA open enrollment period. YourMedPlan can help you get covered whenever you're ready to enroll.
Can I get vision insurance with Medicare?
Original Medicare does not cover routine eye exams or corrective lenses. However, some Medicare Advantage (Part C) plans include vision coverage. You can also purchase a separate vision plan to supplement your Medicare coverage.
What are “excepted benefits” in relation to vision insurance?
Excepted benefits" refer to certain types of coverage that are exempt from many of the ACA's requirements. Vision insurance is considered an excepted benefit when it is offered under a separate policy or is not an integral part of a group health plan. This means that vision insurance plans structured as excepted benefits are not subject to the ACA's market reforms.
Are there any tax benefits associated with vision insurance premiums?
In some cases, premiums paid for vision insurance may be tax-deductible, especially if you itemize deductions on your tax return. However, tax laws can be complex, and eligibility for deductions can vary based on individual circumstances. It's recommended to consult with a tax professional to determine if you can deduct vision insurance premiums.
How do I find out if my current health plan includes adult vision coverage?
When reviewing health insurance plans on the Marketplace, YourMedPlan will check the plan details to see if adult vision coverage is included. If it's not clear, YouMedPlan’s expert insurance agents can find more information about the coverage options available to you.
Can I purchase vision insurance separately if it’s not included in my health plan?
Yes, if your health insurance plan does not include vision coverage, you can purchase a separate stand-alone vision insurance plan. These plans can help cover costs associated with routine eye care, such as exams, glasses, and contact lenses. YourMedPlan will help you compare different vision plans to find one that fits your needs and budget.