Vision Care Insurance in Arkansas
Coverage for eye exams, glasses, and contact lenses to ensure your vision stays sharp throughout your golden years in Arkansas.
The Problem
Original Medicare does not cover routine eye exams for glasses or contact lenses. Paying out-of-pocket for annual exams and new prescription eyewear can be expensive.
What It Is
Vision insurance is a supplemental policy that helps offset the costs of routine eye care, including eye exams, prescription glasses, and contact lenses.
How Vision Care Insurance Works
You pay a small monthly premium. Once a year, you pay a low copay for your eye exam. The plan gives you a set allowance (e.g., $150) to spend on frames or contacts, and you pay a discounted rate for lenses and lens enhancements.
Understanding The Costs
Vision insurance is typically very inexpensive, often costing just a few dollars a month.
The Enrollment Process
You can enroll in a standalone vision plan at any time of the year. There are no specific enrollment periods.
Benefits vs. Drawbacks
Benefits
- Covers annual routine eye exams.
- Provides allowances or discounts for eyeglass frames and lenses.
- Provides allowances for contact lenses.
- Helps detect early signs of serious health conditions like diabetes or high blood pressure through regular eye exams.
Drawbacks & Considerations
- Usually requires you to use in-network optometrists and optical shops for maximum benefits.
- May not cover elective procedures like LASIK (though it may offer a discount).
Local Arkansas Expertise
We help you select vision plans that are accepted by major optical retailers and independent optometrists across Arkansas.
Speak With A Local AgentWho Qualifies?
- Anyone can qualify. There are no health questions or medical underwriting for vision insurance.
Common Mistakes To Avoid
- Assuming Medicare covers routine eye exams and glasses.
- Buying glasses out-of-pocket when a low-cost vision plan could have saved hundreds of dollars.
- Not taking advantage of the annual eye exam included in the policy.
Frequently Asked Questions
Clear answers to common questions about Vision Care Insurance.
Does Medicare cover eye exams?
Original Medicare covers medical eye care (like cataract surgery or glaucoma screenings if you are at high risk), but it does NOT cover routine eye exams for glasses or contact lenses.
Can I get a plan that covers both dental and vision?
Yes! Many carriers offer bundled Dental, Vision, and Hearing (DVH) plans that provide coverage for all three in one convenient policy.
How often can I get new glasses?
Most vision plans allow you to get a new comprehensive exam and new lenses every 12 months, and new frames every 12 to 24 months, depending on the specific policy you choose.
Does vision insurance cover prescription sunglasses?
Yes, you can typically use your frame and lens allowance toward a pair of prescription sunglasses instead of regular everyday glasses if you prefer.
Ready To Review Your Options?
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