In this day and age where most of our time is spent before a screen – either a computer or a television – our most vital of senses, vision, can easily get damaged. Routine eye examinations, therefore, are absolutely essential for maintaining healthy vision. However, eye care can be prohibitively expensive. Not only eye examinations, but even lenses, frames, etc. can burn a deep hole in your pockets. Therefore, it is essential that you get yourself covered with a vision insurance plan, especially if more than one person in your family regularly uses glasses/lenses.
Vision insurance plans basically supplement whatever form of health insurance you already hold (whether it is PPO or HMO). Such plans cater specifically to eye care that may not be covered by your regular insurance plan. Generally, it covers the entire gamut of eye care services, from regular eye examinations, corrective lenses, and in some plans, even frames for glasses, etc. As with regular insurance, you can avail of these services from doctors, clinics, or opticians affiliated to the organization providing the insurance.
In addition to routine examinations, lenses, prescription medicines such as eye-drops, you can also avail of surgical procedures such as LASIK at a small extra cost in most plans.
It is recommended that you pick a plan that either completely covers, or offers a steep discount on optician services such as corrective lenses, frames, etc. as these tend to be very expensive and can run into thousands of dollars (not to mention their fragile nature which means that you’ll end up replacing them sooner or later). Savings with such a plan can easily be 50% or more on glasses and lenses.
With more and more people suffering from poor eyesight, it has become imperative that you take some precautionary measures to protect your eyes, and ease the burden it places on your wallet. Vision insurance plans are a great way of doing so by covering most care options related to the eyes.