Vision Insurance: Why You Need the Right Coverage

There’s no question that you need health insurance.

When it comes to vision coverage, you may not be as sure.

The fact is, 66% of Americans over the age of 18 need corrective eyewear – glasses, contacts, or both.

Still, you may be wondering if it’s worth the expense.

Let’s take a look.

What vision insurance covers

It will at least partially cover the costs of:

  • Preventive care, like vision tests and eye exams.
  • Eyeglass lenses.
  • Contact lenses.
  • Eyeglass frames.
  • Lens protection for glasses, like scratch-resistant coating.

Some plans will offer options, such as:

  • Coverage for disposable contact lenses.
  • Discounts on corrective surgery.

Who needs it?

Eye exams can often uncover hidden medical issues you didn’t know you had.

It’s a good idea to get them regularly, no matter what age you are, though the probability of needing glasses does go up with age.

Here’s what the Mayo Clinic recommends for having your eyes checked.

  • Ages 20-39. Have your vision checked every 5 to 10 years.
  • Ages 40-54. Every 2 to 4 years.
  • Ages 55-64. Every 1 to 3 years.
  • Ages 65 and older. Every 1 to 2 years.

There are certain people who should have their eyes checked more frequently.

If you have poor vision, a family history of eye disease or an increased risk of eye disease or diabetes, you’ll need to see your eye doctor more often.

What you need to consider

When you’re making a decision about vision insurance, find out the answers to these questions that may affect your choice.

Here’s what you should ask.

  • What does an eye exam entail? Some eye doctors include services that aren’t expressly covered by your specific plan. You’re responsible for paying for those additional services.
  • Does the plan cover more than the basic lenses? For example, you may have to pay extra for lightweight or anti-glare lenses.
  • How does the plan handle the cost of frames? Make sure you understand how much of the cost of frames the plan will cover. Each plan is different and some may cover the total cost while others have a cap or will only cover a percentage.
  • How often are the benefits available? You may be able to use the benefits every 12 months or it may be only every 24 months. You need to know this information up front.
  • Will the plan cover contacts and glasses during the same benefit period? Again, some plans will and some won’t. Make sure your plan will meet your needs.
  • Does the plan require a waiting period? Some plans institute a waiting period to keep people from signing up for vision insurance because they have a serious issue. It could range anywhere from 30 days to a few years.

Getting vision insurance that meets your needs

Many people who don’t have vision coverage through their employer question their need to purchase it separately.

The health of your eyes is important, besides the fact that many medical issues may manifest in an eye problem.

When you get coverage that is affordable while also meeting your needs, you can’t go wrong with purchasing vision insurance.

It’s a good idea to talk to an insurance expert who has the knowledge to guide you toward the right plan for your unique situation.

Going it alone may result in your paying too much and not having adequate coverage.

Eye care is important. Get the right vision insurance and don’t neglect your peepers.

Are you happy with the vision insurance coverage you have?

Insurance Young Family

Leave a Reply

Your email address will not be published. Required fields are marked *