Vision insurance is one of the insurance benefits normally covered in large group health insurance policies, but rarely in individual health insurance. A vision insurance policy can go beyond traditional vision insurance by providing benefits for eye surgeries, specific eye diseases, and permanent visual impairment. Since there are no provider network stipulations, you'll have the freedom to use your preferred eye-care provider.

There are many vision insurance companies. The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without co-pays, depending on the plan chosen. Many vision insurance plans that are available to individuals and families today are not insurance and only provide discounts at participating providers. Many of the discount dental plans provide discounts on vision care and products as part of the plan package.

  *Not all plans and providers are available in all states.