Is Vision Insurance Worth It?

Vision insurance is often one of the more affordable insurance products available, with many individual plans costing less than $15 per month.

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Most vision plans are designed to help reduce the cost of routine vision care including:

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• Eye exams

• Frames

• Lenses

• Contact lenses

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So, is vision insurance worth it?

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For many people, the answer is simple: if you use the benefits, it often is.

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If you regularly get eye exams, wear glasses, or use contact lenses, the value of those benefits can add up quickly. Many people find that by the time they've used the eye exam benefit along with glasses or contact lenses they've come out ahead relative to the cost of the monthly premium.

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On the other hand, if you rarely visit the eye doctor and do not wear glasses or contacts, paying for vision coverage every year may not provide as much value.

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One way to make vision coverage more affordable is to bundle it with dental insurance if you're already considering dental coverage. Many carriers offer discounts when dental and vision plans are purchased together, which can help reduce the cost of both.

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Ultimately, the value of vision insurance comes from using the benefits available to you. Before enrolling, take a few minutes to review plan details and consider how you expect to use those vision services during the year.