And do I really need vision insurance?
The term “vision insurance” is often used to define health and vision policies designed to lower your costs for regular preventative eye care (president’s eyesight, glasses, contacts). Most health and vision insurance policies will cover routine eye exams, x-rays, and the regular glasses or contact lenses you will need for continued good vision. Some vision policies also provide discounts on elective vision corrective surgery, like LASIK and PRK. But what is vision insurance? Does it really help protect your eyesight from deterioration?
Vision insurance is typically purchased by the individual person who has a health problem that impairs their eyesight. Typically the policy will cover routine eye exams, like the routine eye exam for age 50 or over, a complete eye exam plus a vision screening. Typically there are deductibles for these services, but there may be a co-payment option if the eye doctor accepts your insurance coverage. Then typically there will be an annual policy fee for this service. Typically your eye care professional will be able to provide you with the information you need to determine if you are an appropriate candidate for vision insurance.
There are several different types of vision insurance plans
The most common is the discount plan, which typically offers discount rates on various services including vision care coverage, prescription eyeglasses, and contact lens purchases. Another type of vision insurance plan is the HMO, which typically provides reduced rates on health care services. Finally, there are private insurance plans that provide low cost or no cost coverage for vision care. For people who are not eligible for government health insurance plans, there are also state-funded health insurance plans that provide vision insurance to low-income families.
There are several things that you can do in order to help you get the most out of your vision insurance benefits. First, it is important that you choose discount plans that offer vision benefits so that you receive the maximum discounts on services and prescriptions. Secondly, you should take advantage of coupons and other discounts by shopping at pharmacies and retail outlets. Finally, you should consider enrolling your family in a health savings account so that you can receive a percentage of your medical expenses reimbursed. Health savings accounts are growing in popularity and there are a number of places where you can get a free quote for a health savings account.
By taking advantage of Vision Insurance
Even if you are not enrolled in vision discount plans, it is still important that you have appropriate vision insurance coverage. Vision insurance is designed to cover the costs of various eye exams, surgeries, and other services that are needed to maintain your quality of life. Without adequate vision insurance you could be forced to pay thousands of dollars for unnecessary surgery or eye exams. Also, without vision insurance you could be responsible for paying thousands of dollars for eyeglasses or other corrective lenses. The price of glasses and contact lenses can be steep, especially for individuals with severe vision problems.
You can ensure that you are properly covered for routine preventive eye care and basic vision exams. Without Vision Insurance you could end up paying hundreds of dollars for emergency surgeries or eye exams. There are many discount Vision Insurance plans available for individuals with low to moderate vision insurance benefits. Many Vision Insurance plans also include extended vision benefits that cover vision treatment such as glasses or contacts after the policy has ended. In addition to discounted premiums and vision insurance benefits, some plans include a comprehensive vision benefit package that includes vision exams, glasses, contact lenses, and other services for an affordable monthly premium.