Ancillary Insurance

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Vision Insurance: Is It Right For You

Vision Insurance can help you cover the price of regular eye exams, glasses, and contact lenses. Some plans even cover corrective procedures, including laser eye surgery. And don’t forget that you can expect a pair of glasses or contact lenses each year to be covered with most plans.  

Which policy covers an eye injury or disease?

An ophthalmologist or optometrist might detect an issue with your vision associated with diabetes or some other disease during a regular exam. Common problems diabetes and other conditions can lead to include nearsightedness, astigmatism, and farsightedness. An eye test might return a diagnosis such as conjunctivitis (pink eye), a typical occurrence among kids.

Most insurance companies concentrate on the reason behind every visit. Therefore a regular eye exam is unlikely to be covered. Still, an issue found during that exam will most likely be covered. To add to that, your health insurance probably would cover a visit to a physician, be it for an eye disease or eye injury.

Who Provides Vision Care Services?

Most plans purchased from a vision care insurance company are PPOs (preferred provider organizations). That means your eye care is managed by a network of eye care providers. In a PPO, you also can use out-of-network eye providers, but you must pay a more significant share of the cost to do that.

Typically, eye care offices and networks include optometrists and general ophthalmologists. Some networks may include ophthalmologists who perform refractive surgery and provide LASIK or other vision correction procedures.

Do I Need Vision Care Insurance?

It is absolutely worth it to purchase vision care insurance if you or your family members wear corrective lenses and need periodic eye exams and changes in an eye lens prescription. If you do not currently wear or need glasses, however, you may be able to get a periodic eye exam through your regular health insurance plan!

Do I Need Vision Care Insurance?

If you or members of your family wear corrective lenses and need periodic eye exams and changes in your eye lens prescription, it may be worthwhile to purchase vision care insurance. If you do not currently wear or need glasses, you may be able to get a periodic eye exam through your regular health insurance plan.

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