Having health insurance is definitely a necessity these days. But what about vision insurance? As we observe World Health Day this month, your eye doctor discusses things you should know about vision insurance.
How Does It Work?
Unlike medical insurance, you’re not required to have vision insurance. In general, you can purchase a vision insurance plan through your employer or on your own. To maintain your vision insurance, you have to pay your insurer a premium or have this amount deducted from your salary if you have an employer-sponsored plan. In exchange, you’ll receive various eye care benefits.
Keep in mind that some vision plans cover a comprehensive eye exam, while some pay out for certain eye diseases. Covered expenses vary per plan. There are also vision care plans that require you to see an in-network provider, which means an eye care specialist that’s affiliated with your insurance company. If you already have an optometrist or ophthalmologist you want to keep seeing, make sure the plan you intend to get will cover their services.
Is Vision Insurance Worth It?
Since covered benefits are different per plan, check if the one you’re eyeing covers what you need. What you can do is to compare your usual or anticipated eye care expenses to that of the policy’s annual cost and potential savings. This way, you can avoid paying more than what you actually need to spend.
If you wear eyeglasses, for example, check if your plan offers discounts on eyeglass frames. If glaucoma runs in your family, make sure that your benefits include glaucoma management as well. If the plan covers both, purchasing the vision care plan may be wise.
To ensure your eye care insurance will be valuable, do the research before enrolling in a plan. If you need more information about vision care insurance, give us a call at (352) 504-4560. We serve Lady Lake and the surrounding FL communities.