As we age, vision care becomes critically important. This makes vision insurance coverage increasingly essential. Yet exploring vision insurance online is a lengthy and often confusing process. Here’s a quick overview.
What it is: Vision insurance covers or reduces costs associated with maintaining and improving your vision.
What it covers: Vision insurance covers annual eye exams, contact lenses, or frames and lenses. If you’re considering surgery to improve your vision, some plans offer reduced rates on refractive procedures.
How to get it: While group coverage may be available where you work, coverage is often minimal. A stand-alone vision plan may be a better option. If you currently have a group plan, contact your agent to review its benefits. An agent who specializes in vision plans may be able to provide a better solution for about the same price as your group plan.
Who to see: If you have an eye doctor you prefer, you can choose a plan that includes your professional. With some vision plans, using the insurer’s network of approved professionals ensures you pay less than going out of network.
Why it’s important: Even if you have great vision, annual eye exams are vital to protect against age-associated eye problems such as cataracts and macular degeneration. Those with chronic health conditions, like diabetes or hypertension, are more at risk for eye problems. Vision plans can cost just dollars per month and can greatly reduce your chances of undetected vision problems.
Your local insurance agent can provide a comprehensive explanation of coverage and provide a personalized vision coverage quote.