what does individual vision insurance cover?

Vision insurance is a type of insurance that provides coverage for eye care and related services, including eye exams, prescription eyeglasses, contact lenses, and in some cases, eye surgeries.

Vision insurance policies work by the policyholder paying a monthly or annual premium to the insurance company. In exchange, the insurance company agrees to provide coverage for certain types of eye care and related services, up to a certain amount per year.

The coverage provided may vary depending on the policy, but typically includes coverage for annual eye exams, prescription eyeglasses, and contact lenses. Some policies may also cover more specialized services, such as orthoptics or vision therapy.

When using vision insurance, the policyholder typically pays a co-pay or deductible for covered services, and the insurance company pays the remaining balance up to the policy's maximum benefit amount.