Vision Insurance: Description Of Vision Insurance

Do you wear glasses? Or more to the point, are you supposed to wear glasses? Vision insurance will enable you to afford regular checkups to adjust your eye wear prescription and to catch any eye diseases in their early stages.

Vision insurance is not commonly a stand-alone policy. Vision insurance is usually a supplement to your health insurance; similar to your dental coverage. In fact, vision and dental coverage are often offered together by an insurance company, as a combined add-on to your health insurance.

You can obtain vision insurance through several different sources. To find out which one can offer you the best coverage at the best price, contact:

  • Your health insurance provider.
  • Your employer’s human resources department. Your employer may qualify for group discounts and offer you vision insurance at a significantly lower rate than your health insurance provider. The only caution is to ensure the policy contains sufficient coverage for you and your family’s needs.
  • Any professional groups you may belong to, such as your alumni or your local business association. Your affiliations may also qualify for a group discount, so compare the offered policies and pick one that suits you best.
  • Medicare and Medicaid government programs can also offer you vision insurance. These programs are typically for people 65 and older, people with certain disabilities and people with a low income. Medicare and Medicaid only cover medical attention to eye diseases, such as cataracts, they do not provide coverage for regular eye exams and prescriptions.
Vision Insurance: Description Of Vision Insurance

Typical vision insurance covers your ophthalmologist and optometrist bills, as well as all or part of the cost of required eye wear, such as reading or daily use glasses, contacts and prescription sunglasses. Some vision insurance policies offer discounts on LASIK surgery.

Regular eye exams can detect potentially serious eye diseases in their early stages, including cataracts, glaucoma, macular degeneration, detached retina, dry eye or an amblyopic eye (lazy eye). Other health problems that can be detected through an eye exam include diabetes, high cholesterol, high blood pressure, hypertension, multiple sclerosis, brain tumors and arthritis. Schedule your eye exam as often as you schedule your physical, because diseases that go unnoticed for too long can cause very serious damage or become untreatable.

Vision insurance will protect you and your family from eye disease and help everyone to see more clearly when the family tendency is less than 20/20 vision.

Vision Insurance: When Is Vision Insurance Important?

Eyes are said to be the windows to your soul. They are also the windows to your health. Many potentially serious diseases can be detected in their early stages through a routine eye exam. Vision insurance will cover your costs, whether you have perfect vision or not.

Poor vision and eye diseases are hereditary. If your entire family requires corrective eyewear, your optometrist and ophthalmologist bills are going to add up quickly. Children require excellent vision in school, as it has been proven a child learns better when he can see well.

It is important to have vision insurance when you have less than 20/20 vision. If you are near-sighted, far-sighted, or have astigmatism, you need corrective eye wear. Eyewear, or eye glasses, will improve your vision where it is weak.

If you suffer from any eye diseases, such as cataracts or glaucoma, you need treatment and regular visits to your ophthalmologist. Untreated eye diseases can cause permanent damage and even blindness. Vision insurance will help cover these expenses to ensure you can afford the best possible treatment.

Many jobs require excellent vision, such as pilots, medical professionals, law enforcement personnel, truck drivers, photographers, jewelry repairmen and software developers. Jobs that require you to operate a vehicle or machinery usually require excellent or corrected vision before you can even qualify for a driver’s or operator’s license. Vision insurance will cover you for the corrections that work best for your situation, whether in the form of eye glasses, contacts or LASIK surgery. Regular follow-up eye exams can be very important in order to adjust your prescription and ensure your vision continues to be sufficient for you to do your job.

Some jobs can actually cause eye problems and it is important to have regular eye checkups:

  • Medical professionals are continuously exposed to contagious diseases.
  • Continuous computer users are exposed to constant radiation from the computer monitor and are susceptible to computer vision syndrome (CVS).
  • Scientists, chemists and other people who constantly work with eye irritants.

As you get older, your vision will deteriorate; it is a fact of life. Some people can hold off needing glasses until they are well into their senior years. However, over half of the American population will need glasses a lot sooner. Having vision insurance is important to enable you to visit your optometrist regularly and update your prescription as needed.

Vision Insurance: Rates For Vision Insurance

Vision Insurance: When Is Vision Insurance Important?

Poor vision can affect different areas of your life. It can cause tiredness and depression, and can keep you from joining friends and other social activities. If your vision is very poor, it can even prevent you from getting around and taking care of daily errands. Vision insurance is very affordable and can allow you to visit an optometrist who can get you back out and enjoying life and taking care of business again.

A vision insurance policy can offer prices as low as:

  • A fee between zero and $35 per year.
  • $10 co-pay for a fully-covered routine eye exam.
  • First pair of single vision, bifocal or trifocals are free. Subsequent eyewear have a $20 co-pay for prescription lenses and frames every two years.
  • $120 toward frame cost and a 20 percent discount for frames that cost more than your vision insurance allowance.
  • 25 percent off non-covered lenses, such as progressive lenses or a second pair of glasses.
  • $150 toward contact lenses, the exam and fitting, available every 12 months and instead of eye glasses.
  • Coverage and discounts that can greatly reduce your LASIK surgery is now available at some insurers. LASIK surgery can be very expensive and not all vision insurance providers offer coverage as it is still considered a fairly new and risky procedure; however LASIK surgery has improved greatly and become more and more accepted in the medical field.

Your vision insurance premium rate depends on a number of factors, including:

  • The state you live in.
  • If your employer can offer you vision insurance at a group discount rate.
  • If you qualify for a flexible spending account (FSA), which means you can set aside a pre-tax portion of your income to put toward medical expenses, including vision needs.
  • Some insurance companies will offer discounts if you purchase a combined supplemental of your vision, dental and even hearing coverage, to add to your health insurance.
  • Visit an eye care specialist from your vision insurance preferred provider organization (PPO) list. Optometrists and ophthalmologists on this list have agreed to charge lower rates and offer discounts in exchange for being on this list of preferred specialists.

Under most standard vision coverage, insurers can offer you a policy with no deductible and no waiting period. Whatever your vision needs, there is an affordable vision insurance policy for you.

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