According to estimates, 75% of adults over 25 in the US need vision correction.
Are you worried about your eye health? If so, it might be a smart idea to take out vision insurance.
Although eye care costs aren’t usually cripplingly expensive, they can add up. They can also come at unexpected times. What’s more, caring for your eye health is critical.
Your vision affects almost everything you do, including driving, working, and all day-to-day tasks.
Taking out vision insurance can help you afford eye care costs and take care of your eye health properly.
Keep reading to find out what vision insurance is, and whether or not you should get it.
Vision Insurance Covers You for Eye Tests
Vision insurance provides cover for eye tests and examinations. Eye tests should be a routine part of your health care, and shouldn’t just be done when you’re having vision or eye problems.
It’s recommended that people over the age of 16 have a vision exam every two years. Children should have eye tests every year.
Having regular eye tests done can guard against the onset of advanced eye health issues. It can help you correct vision deterioration early on, and it can help you to treat and manage degenerative eye diseases such as glaucoma in its early stages when treatment is more effective.
Besides offering coverage for eye tests, some vision insurance packages also provide discounts and credits when you buy glasses or contacts at participating locations.
Should You Get Vision Insurance?
If you’re wondering whether you should take out vision insurance, there are a few things to consider.
Firstly, can you afford the cost of regular eye exams and potential eyewear replacement? Also, will you consistently book your eye checkups if you are the one footing the bill?
Many people find that if they’re not insured for something, they postpone making the appointment. While this might be good for your wallet, it’s not ideal for your eye health.
Given how many adults require vision correction, it’s essential that you are diligent with booking eye exams and keeping tabs on your vision. Having vision insurance is a great way to ensure that you don’t postpone appointments due to monetary concerns.
Should You Take Out Vision Insurance if You Have Medical Insurance?
Many people assume that something like an eye exam is included in general health insurance. However, this isn’t always the case.
Coverage differs between providers and packages so you will need to check what your individual policy includes.
However, what’s typically most common is that general health insurance will cover what is termed “medial” eye exams and not routine eye exams. If you have a medical emergency with your eyes, this may be covered by your health insurance. However, routine checkups and correction treatments are often excluded from medical coverage plans.
Do You Need Vision Insurance?
Vision insurance exists to fill the gaps in general health insurance policies. If your medical plan doesn’t cover routine eye exams and vision correction, then you may want to take out vision insurance.
Ready to give your eyes the coverage they deserve?
Get a free insurance quote today to compare your vision coverage options.