When people talk about insurance, they usually discuss health insurance, dental insurance, and life insurance. Vision insurance is a topic that is rarely discussed and often placed on the backburner when it comes time to learn more about your coverage options.
Today, we will be shining a light on the topic to see the benefits of vision insurance a bit more clearly.
What Does It Cover?
Vision insurance is good for reducing the costs associated with eye care and can go a long way in protecting your overall eye health. Just as early detection is important for other conditions, it is the same for eye health.
With vision insurance, you can save money on your annual visit to the eye doctor, and all you have to do is pay a low monthly premium. So, what’s covered?
Depending on the type of vision insurance you choose along with the level of coverage that is offered, you may find that your plan covers the following:
1. Eye exams
2. Basic preventative eye care
3. Eyeglass lenses and frames
4. Contact lenses
5. Lens protection
6. Lens enhancements, including scratch-resistant coatings and anti-glare
Some vision insurance plans also include an upgrade option so you can find additional coverages you may need. For example, under this option, you may find coverage for daily disposable contact lenses and a discount on vision corrective procedures.
Can Vision Insurance Save Me Money?
Your employer more than likely offers vision insurance as part of your employee benefits package. It is typically deducted from your paycheck, and most premiums are offered at lower than $20 a month, making a vision insurance plan affordable for a variety of budgets.
However, keep in mind that the premiums aren’t all you will be paying. When you go in for services, you may also need to pay a co-pay; however, this also depends on your chosen plan.
Why You Should Get Vision Insurance
Vision insurance is good to have, even if you don’t need glasses. If you have a family history of eye disease and other similar medical problems, then those annual exams are important for early detection and prevention.
If you don’t have money in savings, you can find the cost of an eye exam and services quite high, and you will have to pay out of pocket for it all. It can end up being several hundred dollars when all is said and done.
If you have children, then vision insurance is good to have as well because their eyesight is constantly changing, and some children may already be suffering from vision problems. Having vision insurance helps make more frequent eye doctor visits affordable.
If you feel that vision insurance may be the right move for you and your family, don’t hesitate to contact the experts at National Insurance Partners Inc., today to go over your available options and find coverage that is right for you and your family.