Vision benefit value calculator: does a vision plan pay for itself?
Vision plans are small, predictable benefits, which makes them easy to compare with their premium. This calculator adds up the value of the exam and eyewear benefits against what you pay.
Compare the benefit with the premium
Enter the numbers from your vision plan summary and what you expect to spend.
Your estimate
This calculator gives an estimate only. Benefits, frequency limits and network discounts vary by plan. Read your plan summary.
What a vision plan usually includes
Most plans cover a routine eye exam and give an allowance toward frames, lenses or contacts, often with a discount on extras such as lens coatings. Because the benefit is predictable, you can compare it with the premium. Plans usually limit how often you can use each benefit.
Who benefits most
People who wear glasses or contacts and replace them regularly tend to get the most from a plan. If you rarely need an exam or new eyewear, the premium may exceed the benefit. For employers, vision is a low-cost benefit that many employees value, and it is often offered as employee-paid.
Common questions
Is vision insurance the same as medical coverage for eye problems?
No. Vision plans cover routine exams and eyewear. Medical plans cover treatment of eye disease or injury.
How often can I use the benefit?
Plans often allow an exam every 12 months and eyewear every 12 or 24 months. Check yours.
Does the plan have a network?
Usually yes. Using an in-network provider normally gives you the best value.
Can employers offer vision?
Yes, often as an employee-paid voluntary benefit with group pricing. We can help you compare options.
Talk to us about vision coverage
Book a 30-minute call and we will look at your group, your budget and the vision options that fit. Visit us at 41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, MI 48304, or call 248.370.8853.
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