We cannot live without health insurance, but have you ever heard of vision insurance? You can purchase this either as an individual policy or through your company. But the question is, should you get vision insurance when you can just get a regular, affordable eye exam from reputable doctors like Dr. Tavel?
Let’s delve into what vision insurance entails and why it’s worth it.
What is Vision Insurance?
Vision insurance provides you benefits like discounted vision exams, contacts, and glasses. There are vision care plans that require their clients to visit providers within their network. Others would just need you to be treated by a certified ophthalmologist or optometrist.
Specific plans would only cover minimal services, while others cover eye surgery and other more complicated treatments. Most would offer discounts on laser eye-correction treatments, but it doesn’t cover elective eye surgeries, like Lasik. However, you may be able to find vision plans that offer discounts on such surgeries.
Depending on your insurance provider, all procedures, products, and services covered by a vision plan will vary.
You can avail of two kinds of vision insurance: One that offers a predetermined discount and another that is considered a vision package that pays a certain amount per eye care product or service.
When you purchase a plan, you must think about the following:
- Your budget for vision insurance
- The insurer you plan to avail the vision plan from
- If you are seeing an eye doctor in Avon (or wherever you’re from) already and what insurance can cover him
Should I Get Vision Insurance?
Before even considering what vision insurance to get, you’re probably wondering if you need it. What if you have healthy eyes, doesn’t that defeat the purpose of requiring vision insurance?
Wrong. Even if you don’t wear contacts or glasses, vision insurance is a must. It can cover most or all of the cost of regular and comprehensive eye exams, which everyone needs yearly to check if you are at risk of any eye conditions or disease. It can also help in case you incur an eye injury.
Besides this, the eye exams your vision insurance can cover may help catch any other conditions that could have gone undetected. For instance, an eye exam may indicate if you risk glaucoma, diabetes, high cholesterol, and even certain types of cancer.
And if you happen to need contacts or glasses, you can get your vision assessed and get the appropriate eye care product, plus subsequent checkups, for far less than you would have paid for when doing straight-up cash.
So, yes, people of all ages and eye health will benefit from vision insurance, as it will save you a lot in the long run. Remember, even the healthiest eyes are still prone to conditions and diseases that could have been very expensive to treat if they have no insurance.
Wrapping It Up
If you believe vision insurance is worth the investment, contact your insurance provider to see what plans you can avail of.