Vision Insurance – What do I need to know?

We get a lot of requests for information about vision insurance from individuals and employers.  As your mom always said, you only get one pair of eyes – better take care of them.  When considering the purchase of vision insurance, there are a couple key considerations for individuals and employers.

  • What’s the network?
  • Is my doctor in the network?
  • What happens if I go to an out of network doctor?
  • Are there waiting periods?
  • What’s my deductible?
  • What’s the maximum benefit?
  • What is covered?
  • What is excluded from the policy?

Unlike adult dental care, many health insurance policies include coverage for medically necessary vision services (like cataract removal).  It’s important to understand how your need is covered – your health insurance may be providing all the coverage that you need!

The Affordable Care Act does mandate pediatric dental and vision coverage as a component of most health insurance policies.  Prior to purchasing additional coverage for children we recommend investigating the coverage that may be built into your existing health coverage for them.

This blog post isn’t meant to be all encompassing for vision insurance, just a couple highlights to consider.  Talk with a competent professional, like a Webb Insurance agent, to learn more.

At Webb Insurance we are passionate about finding great solutions for our clients.  If you’d like to talk more please contact us at 800.303.6329 or here.


Webb Insurance provides advice and guidance for the purchase of health insurance.  We do not provide tax or legal advice, we never said we did that and we aren’t starting now.  Always consult a qualified tax or legal professional for that sort of thing.

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