Your eyes are the windows to your body and mind, they are critical to your existence. By protecting your eyes you will reduce the chance of vision loss while staying vigilant about any issue that might crop up in future. A good vision contributes to a better quality of life as you age. So, make the right choices in advance and do not let your vision be a handicap on your path towards experiencing a fulfilling life.
A comprehensive eye exam is recommended as it checks much more than just your current prescribed corrective lens. Your ophthalmologist might find signs of underlying conditions, like diabetes, glaucoma, high cholesterol and some forms of cancer that might have gone undetected.
An eye exam also determines whether you need glasses, contact lenses or surgery. While your vision may be satisfactory now, the quality of vision can diminish at any point or as you progress in life. It’s always a good idea to get vision insurance even if you are not under an immediate threat.
Choosing a Vision Insurance Plan: Things You Need to Know
Looking for the right insurance to vitalize your vision?
Choose what you wish to see and learn more about individual vision insurance plans and various other eye insurance plans for seniors.
Who needs vision insurance?
The American Optometric Organization recommends that adults between the ages of 18 to 64 should get their vision examined every two years or often if they have a visually demanding job or are at risk of ocular disease. Vision insurance coverage is beneficial for people of any age with any level of eye health.
Covering your entire family under a vision insurance scheme is a great idea as it is cost-saving, you can get the best eye health for yourself and your family with little to no personal expenditure. Eye treatments are fairly expensive without insurance, visits to an ophthalmologist are well over what you would pay for a year’s worth of monthly vision insurance premiums. With insurance, if you or your family need any treatment, your vision insurance will cover a lump sum of those costs.
What is covered by vision insurance?
Vision insurance is designed to minimize your costs for your routine preventive eye care, medically necessary treatments, and prescription eyewear. Many vision insurance plans like Amerigroup vision coverage or Medicare eye insurance include allowances or discounts for photochromic lenses, anti-reflective coatings, and other lens upgrades. Some vision plans also offer discounts on vision correction surgery.
The services, products and procedures covered by vision insurance can vary greatly depending on the insurance provider. Some plans offer money-back guarantees and some even allow you to combine your vision care plan with your general health plans. Unlike health insurance, you can enrol in most vision policies any time of the year.
How much does vision insurance cost?
While the price of vision insurance varies based on how comprehensive the plan is, on average monthly premiums vary around the range of $5-$15 per month. An eye exam can cost between $120 and $200, so for most people, the monthly cost of vision insurance is much lower than the price of paying for these vision products and services without coverage.
Another important thing to keep in mind is that vision insurance also covers unprecedented vision emergencies such as eye injuries, or chronic conditions. In the end, vision insurance is a gainful bargain as typically, an insurer covers your optimum ophthalmic cost, still, if your products and services cost more than that amount, you just pay the difference.
So, make an informed decision, select the best plan to insure your eyes and make sure nothing obstructs you from beholding all the beautiful things.