vision insurance benefits

Fully insured vision insurance is available to AWA members. Coverage includes eye exams and coverage for eyeglasses, contact lenses, and more. With an integrated provider network, members can choose from private practice optometrists, ophthalmologists, opticians, and optical retailers to enjoy in-network savings.

An eye exam is one of the best ways to protect your vision because it can detect eye problems at their earliest stage when they’re most treatable. Regular eye exams give your eye doctor a chance to help you correct or adapt to vision changes. Even if you think your eyes are healthy, you still need an eye exam from time to time. Vision insurance helps make it affordable to care for your eyes.

Find an AWA membership that includes eye exams to stay on top of your health.

 

AWA Memberships with Vision Insurance

The AWA ClearView membership provides vision insurance with additional discounts and resources that make this a great membership level on its own or as an add-on to another AWA membership level. Plus, members will enjoy cost savings from AWA ClearView with benefits toward frames, lenses, and contacts.

For more information on AWA memberships that include insured vision benefits, request more information about small business health insurance.

The AWA ClearView Membership Plan Offers Covered Benefits and Discounts

There are many options in vision plans, and in fact, there are so many options that it can become complicated to try and compare them. When we created our AWA ClearView Membership, we wanted to make it an easy choice for our members to make.

When you choose this membership, you get a full insured vision benefit and added discounts for tinted lenses, lens coatings, and more. You choose your own Ophthalmologist, Optometrist, or Optician, and you choose your own frames. In the end, this program is all about choice and savings.

Get Answers to Frequently Asked Questions About Vision Insurance

Remember that if you have questions about vision insurance or another insurance product available through AWA, you can always contact us to get specific answers to your unique questions. In the meantime, you can keep reading to get answers to some of the questions we are most frequently asked.

Get Answers to Frequently Asked Questions About Vision Insurance

Remember that if you have questions about vision insurance or another insurance product available through AWA, you can always contact us to get specific answers to your unique questions. In the meantime, you can keep reading to get answers to some of the questions we are most frequently asked.

Are Vision Plans worth it?

According to data from Vision Service Plan, the average cost for an eye exam for a person without vision insurance is $206. That uninsured person would pay an average of $114 for lenses and another $242 for frames. That comes to $562.20 to get an exam and glasses. 

If you wear corrective lenses and regularly get an eye exam, vision insurance is almost certainly worth the cost. You will likely have a small copay, but otherwise, your eye exam is covered. Your frames will be covered for up to $100, and your lenses will be fully covered. You will see immediate and significant cost savings the first time you visit your eye doctor and get a new pair of glasses. 

Then consider that there are many other benefits to eye vision insurance, such as coverage for eyeglasses and contacts, discounts on tints and coatings, and your insurance can be a tremendous asset. 

Even if you have excellent health insurance, it will generally only cover costs associated with an eye injury or significant medical issue that affects your vision. It will not cover regular exams or the costs of correcting your vision. 

What is the best form of vision insurance?

There are two main types of vision insurance. One offers discounts on your vision costs, and the other offers flat-fee coverage. Which one is better? It depends on what you want out of your vision insurance.

If you plan to visit the eye doctor every 12 months as recommended, and you want to get a new pair of glasses or new contacts every 24 months as recommended, you will most likely benefit from a flat-fee coverage plan. 

This type of plan covers all or most of your vision exam and all or most of your lenses. Generally, you get an allowance for eyeglass frames. For example, if you received a $100 allowance, the vision insurance plan would pay the first $100, and you would be responsible for any additional cost of the frames you picked out. 

With a discount plan, the covered party would receive a lower fee for their eye exam and a percentage off their frames and lenses. However, they would be responsible for paying the remaining amount. This type of plan is generally not as cost-effective as a full-coverage plan as described above. 

Why is dental/vision insurance separate from health insurance?

Any type of insurance, whether health insurance, life insurance, or auto insurance, is based on risk. The insurer uses complex formulas to determine their level of risk when they insure someone and the insurance company uses the results of those formulas to determine their prices.

The reality is that the risks and costs involved in dental and vision insurance are significantly different from the risks and costs of health insurance. From an insurer’s perspective, it would be very difficult to try and compare health care costs to vision costs. As a result, these insurance products are offered separately. 

Think of it this way: Why doesn’t your life insurance include auto insurance? Why are they separate? The answer likely seems simple: because they are vastly different products. While health insurance, dental insurance, and vision insurance seem similar because they all involve the health of the human body, in fact, they are very different and are therefore treated as such. 

How should/can I use my vision insurance?

It is best to get an eye exam every 12 months. This is true even if you believe that your prescription has not changed and you do not need new glasses. For this reason, most vision insurance offers a covered eye exam every 12 months. 

Your insurance will cover a new pair of glasses every 24 months. If your prescription changes and you need a new pair to see correctly, you’re covered. Even if your prescription hasn’t changed and you’re just ready for a new look, you can get a new pair of glasses every 24 months. 

What does vision insurance cover?

vision insurance eye examDifferent vision insurance plans have different levels of coverage. If you choose vision from AWA, it provides a level of coverage for:

  • An eye exam every 12 months
  • Eyeglass frames and lenses every 24 months 
  • Contact lenses every 24 months
  • Discounts on cosmetic extras like eyeglass tints and coatings 

Note that vision insurance does not necessarily offer 100% coverage on the above. You might have a copay, or insurance might pay a portion of the total cost. You can review our AWA ClearView coverage description to learn more about specific coverages.

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