While we all have a general understanding that health insurance is something we shouldn’t live without, many individuals are on the fence about enrolling in a vision insurance plan. Many individuals and families do not enroll in a vision plan unless an employer offers it. And while we all want to save money here and there, many have found this to be faulty logic. An individual’s ability to see is certainly just as important as many other aspects of health. Vision insurance, like dental coverage, is an often overlooked aspect of an individual or family health coverage plan. Many individuals believe vision care to be unnecessary if their eyesight is fine, but this is not correct. While you may be eating your carrots on a daily basis, a routine eye check-up is important.

Why Vision Insurance

Maintaining healthy eyes and one’s vision is an integral part of an individual’s overall health. Without clear eyesight, menial everyday tasks can become monumental. Yet, many people neglect their eyes due to the costs. A vision care plan can alleviate these costs. As well, plans will often cover costs related to an eye disorder or if your vision becomes permanently impaired. You will want to read the fine print of your policy to ensure you’re covered in these cases. Vision insurance is usually a supplemental form of insurance to other health insurance plans. Vision coverage will help to offset costs of routine visits to optometrists for checkups. As well, the coverage will help to pay for any vision correction wear or treatments that may be needed. The optometrist typically must prescribe these corrections.

My Vision Is Fine…I Think

Even if your vision is fine, it’s important to regularly have your eyes checked. You should have your eyes checked almost as regularly as you go to the dentist. At minimum, you should visit the optometrist every other year for a check up. If you’re over 40, you should have an annual visit. Vision insurance should cover the costs of this preventive care. As well, eye exams have proven beneficial in maintaining overall health, not just detecting vision problems. Many vision problems are somewhat correlated to high cholesterol, high blood pressure, and pre-diabetes. A regularly scheduled routine eye exam is a great preventive measure for maintaining your overall health. During your exam, a doctor will be able to evaluate you for serious health problems like – cataracts, glaucoma and cancer. A majority of physicians consider caring for your eyes an integral part of one’s regular healthcare routine. Thus, even if your vision is 20/20 – utilizing your vision insurance to get your eyes checked on a regular basis is a good idea.

What Does Vision Insurance Cost

Many employers offer vision insurance at a lower price. However, if you do not qualify for a plan through your employer, individual policies can be quite affordable. If you qualify for a group plan through your employer, you may only have a small premium of $3 to $7 per month. Multiply that price per person if you need a family plan. If you need an individual plan, your premium will typically be $15 a month for individuals and $50 a month for families. Co-pays typically run $15 per visit with vision coverage. Glasses and contacts cost can vary with vision coverage. Some plans only charge $25 for glasses co-pay, as long as you avoid designer lens. This can be quite a savings, with glasses potentially costing $500 or more.

Vision & Aging

While vision insurance may not be necessary for everyone, individuals who find themselves over 40 should strongly consider coverage if they do not already have a plan. Eyes, like all parts of the human body, require more attention and care as we age. This means enrolling in a vision care plan is especially important as we age and more of a requirement than an option.

Vision & Aging

While vision insurance may not be necessary for everyone, individuals who find themselves over 40 should strongly consider coverage if they do not already have a plan. Eyes, like all parts of the human body, require more attention and care as we age. This means enrolling in a vision care plan is especially important as we age and more of a requirement than an option.

Alternatives To Vision Care Insurance

While a majority of individuals and families should strongly consider vision insurance, some people may find the plans unnecessary. If you fall into this group, you can still maintain your eye health without coverage. While important, you can skip out on vision care insurance and usually avoid putting your life in jeopardy or finding yourself bankrupt. The same cannot be said for health insurance. Stores like Wal-Mart and Costco often feature optical centers inside some of their locations. These centers offer eye exams from optometrists and often feature affordably priced glasses and contacts. As well, ordering glass, frames, prescriptions lenses and contacts from reputable online dealers often offers significant savings.

Vision Insurance & You

Your choice to purchase vision insurance will ultimately come down to your exact needs. For most, the decision is a no-brainer if an employer group plan is available – as the monthly cost is often incredibly cheap. Individuals who do not qualify for a group program often must decide if the monthly premium for vision care coverage is worth the cost. For younger individuals – skipping out on vision care coverage may make sense. However, people over the age of 40 should always sign up for vision care coverage – no matter if they qualify for a group plan or not.