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Vision coverage is a common addition to many people’s health insurance, but it’s not required.
Vision coverage will typically cover vision checks and other preventive care, as well as office visits and basic procedures.
If you are considering an advanced procedure, such as Lasix, make sure to tell your agent so they can build that possibility into your customized coverage plan.
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Why should I get a vision insurance plan?
Because routine vision care may not be included in your health plan. Coverage is relatively inexpensive and can save on your out-of-pocket eye care expenses.
Are there any other benefits?
By being a member of a vision insurance plan you will be entitled to discounts on your vision expenses, eyeglasses or even laser surgery.
How often should eyes be examined?
Yearly examinations are recommended but you should go whenever you feel there has been a change, particularly in a working environment. Insurance coverage makes regular eye exams affordable, ensuring that you take the correct prescriptive care.
Should I have my sight tested regularly?
Sadly, our eyesight changes over time, usually it deteriorates! It makes sense that if you need prescription lenses they should change as your eyesight changes. This is particularly true for drivers or anyone engaged in ‘close’ work which includes everyday users of computer screens.
Just as importantly an eye examination can provide early warning of various medical conditions such as glaucoma, diabetes, hypertension, cataracts, and even cancer.
How does Vision Insurance work?
It’s a bit like Health insurance. You pay a monthly premium which entitles you to the services of the optician of your choice. Most insurers have a network of providers and a fixed price for each type of service. Some policies allow you to ‘shop’ off-network, though this is often more expensive.
Your policy will act like a ‘club card’ and entitle you to discounts on eyewear, including designer frames and multiple lens enhancements.Some policies include discounts on elective treatments and corrective surgery such as laser treatment.
What do I need to consider when choosing a plan?
While shopping for an affordable vision plan it is important to look at the benefits as well as the costs. What does it cover?
How much are the co-pays, the allowance (the amount given to cover the cost of eyeglasses or contacts) and where are the eye doctors near you who are ‘in network’
Finally, don’t forget that dependents below the age of 18 may be included in your ACA plan for basic vision coverage.
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