Vision Insurance: What You Need to Know
According to the Centers for Disease Control and Prevention, about 80 million Americans have diseases that can cause blindness. As the population ages and the prevalence of diabetes and other chronic conditions rises, the number of individuals experiencing vision loss is expected to grow as well.
Thankfully, early detection and treatment are more accessible than ever before—especially with vision insurance. With the right routine and maintenance, vision insurance can prevent vision impairment and blindness.
What Does Vision Insurance Cover?
Vision insurance usually offers special coverage for the following procedures and equipment:
- Eye exams
- Frames
- Lenses
- Contact lenses
- LASIK surgery
The fine print will indicate whether the plans cover specific brands, have price limits, or maximum amounts for frames and contacts.
General health insurance offers coverage for eye-related injuries, emergencies, or diseases. Examples include emergency surgery for a detached retina or cataracts.
But if you’re interested in attending routine eye exams and investing in eyewear prescription, vision insurance offers the most cost-efficient rates in the long run.
What Kind of Benefits Can You Get from Vision Insurance?
Vision insurance can be offered as:
- A discount on certain products and services
- Partial or full coverage of products and services
- An allowance to help pay for what you need
Plans can also combine these methods to create a tailored plan for your eye health.
How Much Does Vision Insurance Cost?
Vision insurance can cost between $5 to $35 a month for an individual, with the price increasing for policies with more comprehensive benefits.
Family plans also have higher monthly premiums but can be more affordable than an individual plan if you’re sharing with several people.
What Does Vision Insurance NOT Cover?
Vision insurance largely covers procedures and equipment for preventative care. The good news is that pre-existing conditions will not raise your monthly premium.
The bad news is that it doesn’t cover everything related to eye care. Here are some common exclusions:
- More than one eye exam in a year
- Non-prescription lenses and contacts
- Major medical treatments or surgery
- Miscellaneous fees from the optometrist
Is Vision Insurance Right for You?
Will vision insurance help you save enough money to outweigh the cost of the plan? It’s okay to forego vision insurance if it isn’t the most cost-effective option for you, it’s too confusing now, or you don’t think you need it at all.
With a little elbow grease, you can still get affordable vision care. Some optical centers sell affordable glasses and contacts, though the cost will vary depending on location. Many online retailers also offer a complete set of glasses and discounted contact lenses.
Contact Mark Taylor Insurance
Everything in this blog should help you make an informed decision on whether you should cash in on that vision insurance plan you’ve been eyeing. But sometimes, a good read raises more questions than answers—and that’s what the experts at Mark Taylor Insurance are here for.
Mark your calendars and schedule a quick appointment with us to get a professional opinion on your options. Let’s discuss how you can find the best balance between your vision care and health plans!
The experts at Mark Taylor Insurance can help you understand the options available and find the best solution for your needs. Contact our team today, and let’s work together to create a Taylor-made plan just for you!