Top Vision Insurance Providers in Texas

Last modified: September 14, 2021

Health insurance is an absolute necessity, but what about vision insurance? Vision insurance plans in Texas are available as an individual policy or as a group benefit via the employer.

Of course, you may be wondering how the cost of vision insurance compares with the kind of coverage you will get. In this article, we will answer all your questions regarding vision insurance in Texas and its importance. We will also introduce some of the best vision insurance companies in Texas, along with affordable plans you can purchase. Also, make sure to check our list of best health insurance providers in the US if you need more coverage. 

How Does Texas Vision Insurance Work?

With vision insurance, you send the vision insurer a check for your premium. This applies if you have bought an individual plan. If you have an employer-sponsored plan, the premium will be deducted from your paycheck.

Vision insurance allows you to take vision exams at a discounted rate and get cheap contacts and glasses. Depending on the plan you choose, you may have to visit a provider who is part of the network or visit any optometrist or ophthalmologist to be treated. While some plans only provide minimal services, others can be used for bigger treatments, such as eye surgery.

Eye insurance in Texas states that you must only visit a professional who graduated from an accredited university of optometry. Moreover, the vision care doctor needs to have a license provided by the state. Alternatively, it has to be a professional who has gone to medical school and is certified by the American Board of Ophthalmology.

Many vision care plans also provide discounted rates on laser eye-correction surgery. This does not include surgeries like Lasik. However, keep in mind that these plan benefits are not necessarily available every 12 months. It can be a period of 24 months.

Companies usually offer two main types of vision insurance: 

  • Plans that provide a predetermined offer that is lower than the average rate.
  • Vision packages that will pay a capped amount for every service or eye care product.

Best Vision Insurance in Texas — Our Top List

You will find loads of vision insurance companies in Texas. However, knowing which one is best is important so that you can make an informed decision.

1.   VSP: Great Overall

VSP Vision Care is one of the best vision insurance in Texas. It was founded by a group of optometrists in 1955. Today, VSP consists of 88 million members. Additionally, more than 40,000 doctors have become a part of the company.

VSP provides two vision plans in Texas: Standard and EasyOptions. Monthly premiums for the Standard plan begin at $13.86, including an eye exam copay of $15. It also covers up to $150 in new glasses. Even though this plan doesn’t cover Lasik, you can use 15% off on any other service.

The EasyOptions plan costs approximately $24 a month. It’s almost the same as the Standard plan, except it allows customers to customize their own benefits package. This means they can put a higher sum of money towards the products they use more often.

2.   Davis Vision: Great for Lens Coverage

Davis Vision provides some of the best vision plans in Texas. There are loads of options you can choose from since Davis Vision offers a number of in-lens options, along with lots of private practice providers. It has three plans:

Plan Price Benefits
Essential $25.50 per month  Eye exam for $15

Allowance on frames up to $125

Classic $40.32 per month  Allowance on frames up to $150
Premiere $44.13 per month  Allowance on frames up to $200

Moreover, members of Davis Vision can also take advantage of 50% off on additional pairs of glasses at a Visionworks retail location. They can also avail a 10% discount on disposable contact lenses.

3.   Humana: Great for Seniors

Humana is another vision insurance in Texas, a wonderful option for senior citizens looking for streamline billing. Nationwide, Humana is responsible for 66% of individual Medicare. Humana is in partnership with EyeMed so that a customer is provided with a single plan for $16, along with a one-time enrollment fee of $35.

 EyeMed’s network allows you to:

  • Take routine exams for $15 and contact lens exams for $40
  • Pick among 65,000 network providers all over the nation
  • Take advantage of the over $130 frame allowance, along with 20% off balance
  • Pay only $15 for UV treatment, scratch coating standard plastic, tint coating
  • Pay only $25 for single vision, trifocal, and bifocal glasses

4.   EyeMed: Great for Claims

Along with having a big network of providers, EyeMed is also famous for providing coverage at LensCrafters and Pearle Vision, among other massive chains.

EyeMed comes with three options: EyeMed Healthy for $5, EyeMed Bold for $17.50, and EyeMed Bright for $30. With EyeMed, you can save around 72% if you combine an eye exam and glasses.

5.   UnitedHealthcare: Great for Custom Coverage

UnitedHealthcare is another vision insurance in Texas. It has been around for 40 years, so you can easily tell how much it’s trusted by Texans. This insurance provides two vision plans: Plan A and Plan B.

Plan A costs $11 for one person and $7 for every extra person. This plan is for people who wear glasses or contacts. Plan B, on the other hand, covers both glasses and contacts. It costs $15 for one person and $10 for every additional beneficiary.

Customers will have to pay a $10 copay regardless of what plan they choose. They can also enjoy an in-network frame allowance of $150. 

The carrier covers a coating that is resistant to scratches for glasses purchased from the network provider. Moreover, it also covers select contact lenses in full, along with the initial fitting and two follow-up visits to the doctor.

How to Find Affordable Vision Insurance in Texas?

Vision plans in Texas are a great way to cut your healthcare costs. You will pay a premium of $10 to $30 every month for most plans. Moreover, you will also have to pay a copay. This will allow you to get discounted or free lenses and eyeglasses, as well as a reduced cost on procedures. You can also purchase glasses via select brands and network providers at a lower rate than you would find at an optometrist.

The average cost of an eye exam is $152 without insurance. The glasses will cost you more than $200 based on the frames you choose. With the help of a vision plan, you will save loads of money starting from the first eye exam onwards.

Of course, it’s important to get regular eye exams. They can help detect any eye diseases, such as glaucoma, macular degeneration, or cataracts. When performing tests, you may also discover that you have diabetes or high blood pressure.

With the help of vision plans in Texas, you can save money on routine exams. Moreover, you can take advantage of the allowance provided for glasses and lenses. There is no better thing than saving hard-earned money!

Final Thoughts

It’s difficult to figure out if you want to invest in vision insurance or not. However, we assure you that it’s a good idea, and you will be grateful for making the correct decision later in life.

There are a number of things you need to keep in mind when buying vision insurance in Texas. You need to find the best policy that works for you and your family, along with the vision products and services you might need in the future. To ensure that you don’t end up wasting your money, you must do some research and math. Once you are sure, sign up.

FAQs

What Does Vision Insurance Typically Include?

Usually, vision insurance covers the cost of eye exams and prescription lenses and eyeglasses. With more comprehensive plans, you may receive discounts on surgeries like Lasik. You could even get a discount on contact lens fitting and lens protection.

What Does Vision Insurance Typically Exclude?

Vision insurance doesn’t cover elective surgeries, such as Lasik.

Is Paying for Vision Insurance Worth It?

Vision insurance is definitely worth it. It helps you save money on eye exams, eyeglasses, lenses, and even optional lens enhancements. You could save more than $200 every year.