Although most people seem to mis understand individual vision insurance, what they don’t know is how its provides a lot of benefits that can be taken advantage of and it only costs a little extra with your regular insurance policy, instead of paying for expensive optical products and paying for unnecessary doctor appointments.
Unlike health insurance plan that usually cover your general hospital needs, individual vision insurance tends to only cover eye related health issues from optometrists. Depending on where you are in the world, you might be required to pay a monthly or yearly fee to enjoy the benefits.
Eye health is very important especially if you depend heavily on wearing glasses or contact lenses, so making sure you are insured can give you peace of mind, knowing you can simply order for a replacement when you misplace or break your glasses and don’t have a spare. Going for check ups when you need it, either for an updated recommended pair of glasses or fresh contact lenses are also advantages to having a vision insurance policy. However, no benefit comes close to being covered for an eye injury that you need immediate treatment for, and this is one of the most basic reasons you should tag on a vision insurance when getting a regular insurance, especially when it usually costs just for a bit more money, regardless of whether you currently use recommended glasses or contact lenses or not, because no one can predict an eye injury accident and It might be to late to get a cheaper vision insurance when you are already injured.
Regardless of how little you need to visit an eye doctor, its benefits are still too much to ignore, especially because of how little the premium is, but it’s even more of a benefit for those of us that need more regular optometrist visits, because of the lower cost benefits gained by paying discounted prices for quality prescription glasses and regular eye doctor visits, which can usually cost too much for a spontaneous spend in case of an emergency glasses replacement or eye doctor visit.
Apart from getting a basic vision insurance policy, there are some other benefits to getting a more comprehensive cover, this could be in the case of going for corrective vision surgery or perhaps for a pre-existing eye condition that requires regular care or surgeries. Whatever the case might be, it is very important to be prepared by having a personal vision insurance, considering how important and dependant on the use of our eyes we all are, if you find it important to have regular health insurance policy, then It also makes a lot of sense to have individual vision health insurance.
You might be able to save a lot on your vision insurance plan if you can ask your health insurer to addon a vision insurance for you and perhaps your family for a discount. If they don’t offer vision insurance, then don’t be afraid to shop around for a great eye insurance plan.