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How to Pay for Vision Care Without Insurance



Vision care can be expensive and not having insurance leaves many people putting off eye exams until it’s absolutely necessary. The good news is there are a number of ways you can help cover the costs without insurance. Whether you choose a discount plan or open a savings account devoted to your health care, you can get the care you need. The following are just a few tips on how to pay for vision care without insurance.

Apply for a Discount Plan

There are a number of discount plans available and finding one is easy, thanks to the internet. However, you must make sure that the vision care centers in your area accept the plan. Most companies make it easy to search for optometrists in your area that accept the plan. Best of all, these plans can be very affordable and can save you hundreds of the cost of vision care.

Use Special Credit Cards

There are credit cards that can be used at dentists and optometrists that offer special financing terms. While it may not be as great as a discount plan, it can certainly make vision care more affordable. For example, CareCredit allows customers 0% financing for a set number of months. This allows you to spread out the cost without worrying about interest.

Seek Out Community Programs

You can often find low-cost or free clinics where you can get an eye exam. This is a great option for those that are on a fixed income. Be on the lookout though. These programs usually fill up fast and you need to reserve your spot well ahead of time.

Set Up a Payment Plan

Another great option is to set up a payment plan with your optometrist. While not all vision care clinics offer this service, some do. Call around until you find an office that offers this service. In most cases, you will be charged a small interest fee, but it’s usually much, much better than your average credit card.

Open a Savings Account Devoted to Health

Last, but not least, set up a savings account devoted to your health. This is a wonderful option for those that don’t have insurance. The money will grow from interest and you’ll be less worried about finding the money to keep your health and vision in check.

Vision care can be expensive, but it’s not out of your reach. There are a number of ways you can help cover the cost without insurance. Find a discount plan, seek out credit cards, look for community programs, set up a payment plan, or open a savings account. Any of these options can greatly help you pay for your vision care.