Plan overview

Vision Insurance

Routine vision care benefits — eye exams, frames, lenses, and contact lens allowances.

About Vision Insurance

Vision insurance helps pay for routine eye care that medical insurance does not. Plans typically include an annual eye exam, an allowance for frames or contact lenses, and discounts on lens upgrades and laser vision correction.

Vision benefits are often bundled into Medicare Advantage and Marketplace plans, but you can also buy them as a stand-alone product directly from a vision carrier. Pediatric vision is included as an Essential Health Benefit on every ACA-compliant Marketplace plan.

Vision insurance is not the same as medical eye coverage. Treatment for eye diseases, cataracts, glaucoma, and other medical conditions is typically billed through your major medical or Medicare plan.

What it covers

One routine eye exam per year
Allowance toward frames and prescription lenses
Allowance toward contact lenses (in lieu of glasses)
Discounts on lens upgrades (anti-reflective, progressive, photochromic)
Discounts on LASIK and other refractive surgery
Pediatric vision as an ACA Essential Health Benefit

What it does NOT cover

Treatment of medical eye diseases (use medical insurance)
Designer frames above plan allowance
Replacement glasses outside the plan's frequency limits

Who qualifies

Anyone can purchase individual or family vision coverage from a private carrier; many group, Marketplace, and Medicare Advantage plans include it as an add-on.

Cost

Premiums vary by county, age, household size, and plan year. Talk to a Yumi Health advisor for a personalized quote.

When you can enroll

Year-round enrollment for individual vision plansMarketplace and Medicare Advantage vision benefits enroll during their respective open enrollment windows

Carriers active in New Jersey

These carriers offer this product to New Jersey residents. We shop across them to find the right fit.