Vision Insurance

Vision insurance can help reduce out-of-pocket costs associated with routine eye exams, glasses, contact lenses and other services. It may be beneficial to add it to your insurance portfolio if you need regular vision appointments, are progressing in age or are due for a preventive exam.  

The knowledgeable team Wimmer Insurance Services, LLC can discuss your insurance needs and help you secure the optimal policy. Contact us today to get started. 

What Is Vision Insurance? 
Vision insurance is an eye health plan that may be available through your employer as an optional benefit. Other insurance providers also sell it. Vision insurance can help supplement standard health insurance that may not provide complete eye care coverage.  

What Does Vision Insurance Cover? 
Vision insurance may provide financial assistance for eye care expenses arising from vision-related materials and services, such as: 

• Routine exams
• Vision tests
• Eyeglass lenses and frames
• Contact lenses
• Prescription sunglasses
• Lens enhancements for eyeglass lenses, such as scratch-resistant coating, UV protection or anti-glare coating
• Retinal screening
• Laser vision correction (LASIK) 

Plans and their coverages vary, so it’s essential to discuss your needs with our agents to help ensure you have the right insurance. We can discuss the policy’s terms, limits and exclusions.  

How Much Does Vision Insurance Cost? 
Vision insurance costs depend on several factors, including whether you purchase it through your employer or privately. Your age and location and our selected coverages and limits may also impact premiums. Reach out to us today for a quote. 

Can You Buy Vision Insurance Anytime? 
Vision insurance is not always available for purchase outside of specific enrollment windows. Most people obtain vision coverage through an employer during open enrollment or following a qualifying life event such as marriage, the birth of a child, or loss of other coverage. Individuals who are not covered through an employer may be able to purchase a standalone vision plan directly through an insurer like Wimmer Insurance Services, LLC at any time, depending on the plans available in their area. 

When Does Vision Insurance Reset? 
Most vision insurance plans operate on an annual benefit cycle, with benefits resetting on either a calendar year basis beginning January 1 or on the policy's anniversary date. Common benefits that reset include allowances for frames, lenses, or contact lenses, as well as coverage for routine eye exams. Reviewing the specific terms of a policy with Wimmer Insurance Services, LLC is the best way to confirm when benefits renew and how to make the most of available coverage before the cycle ends. 

How To Find Vision Insurance 
Vision insurance can be obtained through an employer-sponsored benefits plan, a health insurance marketplace, or directly through an insurer or licensed agent. When comparing plans, it is important to consider factors such as the network of eye care providers, annual benefit limits, and whether the plan covers both eyeglasses and contact lenses. Wimmer Insurance Services, LLC can help individuals evaluate their options and enroll in a vision plan that fits their budget and eye care needs. 

Contact Us 
The experienced professionals at Wimmer Insurance Services provide insurance for those in Detroit Lakes and Moorhead, Minnesota and Fargo, North Dakota. We can help you get insurance that best suits your needs. Contact us today to get started.