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Can I buy just vision insurance?

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It is no secret that health insurance plays a vital role in a person’s life, because it reduces your tensions during your tough times and helps you in availing the required medical facilities at lower costs. However, there are several other things that a typical health coverage plan, Buy Vision insurance plan does not cover.

For instance, a survey conducted by the Vision Council of America revealed that almost 75 percent of Americans wear either glasses or contacts. Similarly, according to another study conducted by the American Academy of Ophthalmology, approximately 4.2 million people over age 40 suffer from visual impairment.

Study Finds Most Americans Have Good Vision, But 14 Million Are Visually  Impaired | National Institutes of Health (NIH)
Retina: image source

Therefore, you need insurance to cover for this expense, but your health insurance plan does not help you pay for your eye care, glasses, or contacts. So, what do you now?

Don’t worry, unlike health insurance, this is what vision insurance is for. But first, let’s understand what do you mean by vision insurance?

What is Vision Insurance?

In the literal sense, vision insurance refers to the health plans specifically designed to reduce eye care costs and prescription eyewear expenses. Apart from this, some vision insurance plans also provide discounts on elective vision correction surgeries, like LASIK.

Vision insurance is usually available in the form of either a vision benefits package or a discount vision plan. However, the amount that you can save because of your vision insurance plan clearly depends on the particular plan that you opt for. So, you should choose your vision insurance plan wisely.

Why Do I Need a Vision Insurance Plan?

Many people often wonder whether they should opt for a vision insurance plan or not. Nonetheless, considering the numerous benefits that it offers, one should definitely buy vision insurance. Still not sure why? Here is what you need to know:

Research shows that on average, the comprehensive eye exam’s cost that includes screenings for diseases, such as diabetes and macular degeneration, is about $200. Therefore, you need a vision insurance plan to account for such rising expenses. It is no secret that an end-to-end vision insurance plan covers almost all or most of the annual eye exam’s expense and comprehensive eye exams.

Apart from the fact that vision insurance helps save your hard-earned money, it also protects your eyes’ health. This is because a good vision insurance plan includes routine eye checkups that help reveal a lot about your visual and overall health. For example, regular eye care visits can help your doctor detect any vision problems and signs of serious medical conditions, including glaucoma, cataracts, diabetes, and cancer.

What Does Vision Insurance Cover?

While opting for a vision insurance plan, one of the most frequently asked questions is what vision insurance cover? Here are the few common things that your vision insurance plan might cover:

  • Eye Exams: Typically, most vision insurance plans include eye exam coverage in every 12 months.
  • Contact Lenses or Eye Glasses Frames: A good vision insurance plan generally includes an annual or biannual coverage for either your contact lenses or eyeglasses frames.
  • Eye Surgeries:  Some vision insurance plans also provide discounted rates on corrective surgery, including LASIK.

How to Get Vision Insurance Coverage?

Once you’ve understood what vision insurance is, why you need it, and what it covers, the next step involves understanding how to get coverage. Below are a handful of the best practices that you can follow:

  • Research and compare the available vision insurance plans from several different insurance providers in your area.
  • Follow the insurance provider’s direction to enroll in the vision insurance plan online that is most suited to your needs.
  • Pay your first month’s premium. You can simply pay online while you enroll to avoid any hassle.
  • Go through your plan’s specifications thoroughly, and start leveraging your plan’s benefits.

Can I Buy Just Vision Insurance?

Many people often wonder whether they can opt for vision insurance only. The answer is ‘yes’ because vision insurance only includes allowances related to your eye care, that otherwise, your health coverage plan does not offer.

If you need regular eye checkups or buy new glasses or contact lenses every year, you should definitely opt for an effective vision insurance plan. However, while opting for vision insurance, make sure that you’re going for one of the vision insurance plan that are easy to use and can help save you money with insurance benefits and negotiated discounts.

The Bottom Line

In a nutshell, just like a fitness program, vision insurance promotes good health. This is because a healthy vision can considerably improve your school performance, work, sports, and every other aspect of life. So, if you want to ensure good eye health at reasonable costs, vision insurance is your go-to option.

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