Top 6 eye insurance plans for senior citizens
Eye insurance and vision plans are specifically designed to assist consumers with eyesight issues. They minimize eye care costs like prescription eyewear price, eye examination fees, and prescription eyeglasses and contact lenses costs, etc. Regular eye check-ups may reveal a host of hidden medical problems and conditions that may require costly medical intervention. The eye insurance plans are normally structured as stand-alone annual wellness benefits packages for senior citizens.

Here is everything you need to know about eye insurance plans for senior citizens.

What are the factors to consider when seeking an eye care insurance plan?
Some of the important factors to consider when seeking an eye care insurance plan are:

• Determine which plan provides the benefits and discounts that best meet your specific needs.
• Choose a plan that has quality assurance mechanisms and simple procedures for claims.
• Select a plan that offers other value-added benefits like hearing or dental care.
• Determine the plan that will help you make the most savings.
• Select the plan that results in a significant reduction of your overall cost.

What is the average cost of eye insurance for the senior citizen?
The average cost of eye insurance for the senior citizens in the country is:

• Most eye insurance carriers have a basic plan and a premium benefit plan where you are required to pay anywhere between $15 and $20 per month for a basic vision plan.
• The basic plan includes a vision exam with co-pay as well as an allowance for frames or contact lenses. You are also required to bear a co-pay for any additional services.
• Most vision insurance plans cost less than $20 per month.
• In addition to the monthly premium, you will be surcharged additional costs for clinic visits, examinations, and glasses and/or contact lenses.
• However, the higher your monthly premium, the lesser will be the additional costs for these services.

What costs are covered by the monthly premium of a vision insurance?
The following costs are covered by the monthly premium of a vision insurance:

• Basic preventive care like eye exams and vision tests.
• Provision of eyeglass lenses.
• Provision of contact lenses.
• Provision of eyeglass frames.
• Lens protection for glasses, such as scratch-resistant coating.
• Daily disposable lenses coverage.
• Discount on corrective eye surgery, such as Lasik.

Is there a difference between a vision insurance and a vision discount plan?
The difference between a vision insurance and a vision discount plan is:

• A vision discount plan offers discounts on vision care.
• Although vision discount plans cost less per year than vision insurance, you pay more for visits and eyewear than you would with insurance.

Which are the best eye insurance plans for senior citizens?
Some of the best eye insurance plans for senior citizens are:

• VSP individual vision plans offer top-rated vision plans for as low as $17 per month for an eye examination, frames, lens enhancement, and contact lenses.
• United Healthcare Golden Rule Insurance Company offers eye care coverage for people of all ages. You are required to pay a co-pay for in-network eye examinations. The company also offers discounts for laser eye surgery.
• Health Network offers insurance plans costing as little as $11.08 per month obtainable at any time of the year.
• Direct Vision Insurance offers you annual eye and vision exams, discount on LASIK eye surgery, and a $150 frame allowance.
• eHealth Insurance offers pre-determined discounts on all vision-related expenses and an annual routine eye exam from their wide variety of vision plans.
• 1Dental insurance offers you a free vision plan with every dental plan you sign-up for. You also gain access to 20% to 40% discount on the retail price of eyewear, discounts on laser vision correction, and unlimited frequency on usage as well as discounts on eye examinations, contact lenses, frames, and lenses.