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What’s the Cost of Vision Insurance?

Most vision insurance plans require an annual fee and a possible copay for services rendered. If you see an in-network doctor, you will receive your provider’s negotiated rates. You may choose to go outside of your eye doctor network but your benefits will be reduced. Co-pays are usually broken down into the following categories: wellness eye exams, prescription glasses (frames and lenses), contacts and laser vision correction.

What’s the Monthly Cost of Vision Insurance?

Most vision insurance plans require a monthly or annual premium and a possible copay for services rendered. This covers annual vision wellness exams, lenses and contact lenses. They also offer an allowance on frames. 

Is Vision Insurance Pre-Tax? Is it Tax Deductible?

If you itemize your deductions for a taxable year, you may be able to deduct vision-related expenses (e.g., glasses, contacts, eye exams, eye surgeries and vision insurance premiums) you paid for glasses for yourself, your spouse and your dependents because they count as “medical care” under the IRS. You may deduct only the amount of your total medical expenses that exceed 7.5% of your adjusted gross income. For more information, refer to the IRS: https://www.irs.gov/taxtopics/tc502 

 


2019-86153 (10/21) 
 

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