Regular eye examinations are necessary to maintain the health of the eyes – the organs that make vision possible. Eye examinations can also detect underlying health conditions that may otherwise go unnoticed. Depending on your annual costs for eye care, you may need a separate eye insurance to get the eye and eye care you need.
Is Separate Vision Insurance Worth It? the plan. This coverage is relatively inexpensive. The premium is usually between $ 5 and $ 15 per month for an individual. You may be able to add coverage for a child or spouse at a slightly lower rate. To determine if the cost of vision insurance is worth it, compare the total annual cost of coverage with your annual vision care costs.
If it saves money and makes it more likely that you and your family will get the eye care you need, it's worth it. Our experienced agent can help you decide.
How does Vision Insurance work?
If you have an individual vision plan, you pay a premium directly to the insurer. If you are enrolled in an employer-sponsored program, the premium is deducted from your paycheck. You may only be able to sign up for an employer-sponsored vision insurance once a year during open registration. In exchange for the premiums you pay, you get discounted eye exams, glasses and contact lenses. More comprehensive plans can also help cover the costs of eye surgery and treatment of eye diseases, such as cataracts, glaucoma and macular degeneration.
Vision insurance is different from health insurance. For example, if you need eye surgery for a covered condition, such as cataracts, you do not pay deductible and have your insurance company cover the rest. With vision insurance, you will probably receive a flat rate from the insurance company (for example, $ 1
What different plans offer varies considerably. Some vision plans may take out a small copy and cover the rest of the cost of your annual eye examination. Other programs can only cover a certain amount and pay the difference in your pocket.
Limitations on vision insurance
Before buying a separate vision insurance, you should be aware of the following limitations with this type of coverage: [19659011Waitingtimes: Some vision plans have waiting times that can vary anywhere from one month to three years . During the waiting period, you may receive reduced benefits or none at all.