Vision Insurance
Medicare doesn’t include vision insurance.
But that doesn’t mean no coverage at all for your vision. Should you get vision insurance on your own? Is it worth it? So many questions…
Confusing right?
So how does it all work?
Medicare doesn’t cover routine vision. Think about your annual eye exam or near sighted/far sighted glasses. That type of routine stuff is not covered by Medicare.
But there are vision procedures that are considered medical issues. A few examples are:
- Glaucoma
- Cataracts
- Macular Degeneration
These are medical issues which are covered by Medicare.
Vision “insurance” is really for an eye exam or contacts, glasses. I say “insurance” because it’s not something I would buy. Most plans are $10 – $15 per month for vision only coverage. But most have a limit how much they will pay for glasses or contacts. That limit is often between $120 and $150 per year.
So you are paying the insurance company $120 – $180 per year in premium to get them to pay $120 to $150 back toward your contacts or glasses. Not great math for you.
For that reason, I don’t recommend any vision only insurance plans.
There is one combination plan that can make sense for some people. It’s with Manhattan life and combines dental, vision, and hearing benefits into one plan.
The nice thing is there isn’t a limit just for vision. And you can use it wherever you want because you’re not restricted to a network.
Click the button below to schedule a call with me to review your vision insurance.
Mike Lovell
608-571-4461