According to the National Eye Institute, 66 percent of Americans aged 18 and above have reported using contacts, glasses, or both. Here’s everything you need to know about vision insurance offered by a local insurance agency.
You probably know the importance of having a health insurance plan, but do you know why it’s necessary to have vision insurance? Surely, your ability to see things is as important as your health. You can purchase vision insurance as a group benefit via your employer or as an individual policy.
Here are some more details about vision insurance, including how to determine if you or your family needs a plan.
What Is Covered in Vision Insurance?
Some basic benefits are covered in almost all plans and policies. These basic benefits generally include:
- Preventive eye care including vision tests and eye exams
- Eyeglass frames
- Eyeglass lenses
- Lens protection for glasses, such as scratch-proof coating
- Contact lenses
Several vision insurance policies have some extra coverage options including:
- Discounted rates on elective vision correction surgery such as PRK and LASIK
- Daily disposable contact lens coverage
- Eyeglass lens enhancement such as photochromic lenses, progressive lenses, and anti-reflective coating.
Costs of Vision Insurance
Several employers provide vision insurance as part of their benefits plan.
Nevertheless, if your employer doesn’t provide vision insurance, you can simply get an individual plan for lower than $20 per month. Some insurance providers even have vision insurance plans that start from $16 per month.
Along with a monthly premium, you might also have to pay a chunk of costs for exams, visits, contacts, and glasses. Generally, if your monthly premium is on the higher side, you will have to pay less out of pocket for such services.
Do You Need Vision Insurance?
Since eye exams can detect unrevealed medical issues, even those who have excellent vision shouldn’t miss out on them. Moreover, you will require more frequent vision exams as you age. For instance, if you lie in the age bracket of 20 to 39 years, you will only need an eye exam every five to 10 years. However, if you’re more than 65 years of age, you will need an eye exam every one to two years.
If you have poor eyesight, a family history of eye diseases, or a condition that increases the risk of eye diseases, you should have more regular eye exams.
Where to Find Vision Insurance
You can purchase family or individual vision insurance plans from Bay Insurance Services. Note that if you need an immediate eye exam, glasses, or contacts, you should opt for a plan that doesn’t have a waiting period.
Last Few Words
Before you decide to get a vision insurance policy, make sure you consider a number of factors, including:
- The policy options you have to choose from
- The kinds of vision care services and products you require
- How frequently will you need vision care services and products.
If you feel you need to purchase a vision insurance plan, make sure you visit Bay Insurance Service’s website and get more details about their vision insurance plan.