We care about Aflac’s policyholders affected by the recent weather:
To help provide relief for California policyholders residing in Santa Cruz County who were affected by the coastal storms, Aflac will provide a premium grace period starting Dec. 23, 2024, and ending Apr. 15, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
We care about Aflac’s policyholders affected by the recent wildfires:
To help provide relief for California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide a premium grace period starting Jan. 7, 2025, and ending Mar. 10, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
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Getting annual eye exams can help prevent serious eye conditions from happening later. However, proactively taking care of your eye health isn't always inexpensive. Preventative, routine, and extensive eye care can be costly. Having a vision insurance plan in place can help minimize financial stressors around your eye health.
An eye exam can cost hundreds of dollars without insurance.1 This, in combination with the price of contact lenses or glasses, can quickly become a stressful medical bill. Luckily, Aflac offers full coverage and supplemental vision insurance to lower the cost of eye care.
Vision plans help provide coverage for frames, contacts, progressive lenses, polarized lenses, and eye exams. On the other hand, our supplemental vision insurance works with your primary vision plan to provide better coverage and is only offered through your employer. Read on to learn how much an eye exam without insurance costs, how vision insurance works, and what this type of plan covers.
With age, it can become more likely for eye issues to develop. Whether or not you have insurance, routine eye exams are important to help you proactively check on signs of eye strain, astigmatism, nearsightedness and farsightedness.1 If you go too long without an eye exam, you may be less likely to catch these issues early on.
Additionally, eye complications can point to greater health issues like diabetes and abnormal blood pressure.1 In general, regular checkups are a great way to take care of yourself proactively.
The cost of an eye exam without insurance varies depending on if you are a new or returning patient. Routine eye exams may also be considered preventative checkups.
In general, it can cost around $200 if it's your first time getting an eye exam and around $150 if you are a recurring patient.1 If your doctor recommends coming back for a second checkup shortly after, you could be looking at a $350 bill in total for the two appointments. Without insurance, the cost of an eye exam could be financially stressful, depending on your circumstances.
On the other hand, most vision insurance plans will partially cover routine eye exams. On average, patients only pay $10 to $40 out-of-pocket for routine or preventative vision checkups.1 Knowing the costs for vision care are much lower with insurance may help motivate you to get your eyes checked annually.
Most optometrists check to make sure your vision is clear, whether your prescription is up to date or requires changes, how your eye muscles are functioning and your overall ocular health.1 Since these exams cover a lot of ground, it can be helpful to ensure you aren't left paying the eye exam price without vision insurance.
Vision insurance is a type of supplemental health insurance plan that helps cover the costs associated with routine eye care, including eye exams, glasses, and contact lenses. Typically, vision insurance works by providing a set of benefits within a network of eye care providers. Policyholders pay a monthly premium and can receive coverage for specified services, often with a copay for exams or discounts on eyewear.
Every vision insurance plan works differently, so it's important to look at the fine details within each plan. Here's what types of coverage vision insurance plans may offer:2
To learn more about the specifics within an Aflac supplemental vision insurance, talk to an agent today.
Getting an eye exam without insurance can be costly. Luckily, Aflac vision insurance can help you get the support you need to care for your eyes. Our coverage plans can help you pay for wellness exams and prescription updates. On the other hand, our supplemental vision insurance plans are only offered through employee payroll and give you cash benefits to help pay for expensive vision bills. Get the vision coverage you need today with Aflac.
1 Vision Center - What You Need to Know: Eye Exam Costs and Financing Options. Updated September 24, 2024. Accessed February 14, 2025. https://www.visioncenter.org/blog/eye-exam-without-insurance/.
2 St Lucie Eye - Medical Insurance vs. Vision Insurance. Updated September 25, 2024. Accessed February 14, 2025. https://www.stlucieeye.com/medical-insurance-vs-vision-insurance/.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
In Arkansas, Policy VSN100AR. In Delaware, Policy VSN100. In Idaho, Policy VSN100ID. In New York, Policy NYVSN100. In Oklahoma, Policy VSN100OKR. In Oregon, Policy VSN100OR. In Pennsylvania, Policy VSN100PA. In Texas, Policy VSN100TX. In Virginia, Policy VSN100VA.
Coverage underwritten by Tier One Insurance Company.
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
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