Why Get Vision Insurance?
Maintaining your health not only refers to your general medical needs or dental health but your vision health as well. If you wear contacts or glasses and visit the optometrist frequently or even if you currently have perfect vision, vision insurance is an excellent way to pay for all of your vision needs. For those who have perfect vision, it’s still important to obtain annual eye exams to ensure optimal vision health.
What Does Vision Insurance Include?
Vision insurance plans come in various forms and with different benefits attached. In general, vision insurance covers eye care costs, including annual exams, contact lenses, glasses, and eye care visits. Depending on the plan, your vision policy may cover visits to the optometrist, ophthalmologist and optical center.
As for the coverage, vision insurance may cover the entire cost of all treatments or you may have to pay a co-pay for certain visits. How much your vision insurance covers of your payments will depend on the specific plan you choose.
Is Vision Covered Under Medical Insurance?
Medical insurance usually doesn’t have vision benefits included with it. It’s often necessary to obtain vision benefits by signing up for an insurance plan specifically for vision-related issues. However, some medical insurance plans will include vision benefits for children, such as eye exams and glasses, if needed.
Why Is Vision Insurance Important?
Vision insurance is important for many reasons. First and foremost, it provides individuals with easy access to annual eye exams that are affordable. As eye exams are essential for diagnosing possible vision issues, they also provide a way to determine if any other type of health issues exist.
When you go for your annual eye exam, the vision specialist will perform certain tests in order to look for the following medical conditions:
- Myopia (near-sightedness)
- Hyperopia (far-sightedness)
- Amblyopia (lazy eyes)
- Strabismus (crossed eyes)
- Presbyopia (inability to focus)
- Macular degeneration
In addition to testing you for the aforementioned vision problems, your vision specialist will:
- Suggest treatment for your vision problems
- Monitor your vision progress
- Provide advice on how to treat your eyes in the best way possible
- Treat any eye infections
- Look for other medical issues associated with your eyesight
Diabetic Eye Diseases
Diabetes is a serious illness that affects more than 30 million individuals in the United States alone. Those with diabetes have a problem with how their body processes blood sugar. Not only does diabetes have its own harmful symptoms but it can also be the cause of other medical conditions.
Individuals with diabetes have a higher chance of being diagnosed with the following illnesses:
- Diabetic retinopathy
- Diabetic macular edema
Each of these conditions has its own symptoms associated with them. Diabetic retinopathy is especially worrisome as it can cause bleeding or leaking fluids in the eye. The end result can be vision impairment or blindness.
When vision issues and diabetes combine, the resulting problem is serious health issues due to the existence of the two. The best way to protect yourself from vision loss is to have these issues detected and treated early. With vision insurance, you have comprehensive eye exams included in the coverage each year and the eye specialist can monitor your vision state with ease.
Computer Vision Syndrome
Another vision problem that is being diagnosed more frequently and will continue to be watched for at annual vision exams is computer vision syndrome. This vision issue is eyestrain as a result of being in front of computer screens, phones, tablets and other technology devices. Many people work in an office setting where they are never too far away from a computer. In fact, many of us have a computer right on our desk in front of us and use it continually throughout the day.
As a result of looking at computer screens eight hours a day, individuals may experience some or all of the following problems:
- Strained eyes
- Blurry vision
- Dry eyes
- Neck and shoulder aches
In order to diagnose the problem and monitor any eye issues, you need to visit your optometrist or ophthalmologist for an annual eye exam. In addition to diagnosing the issues, visiting your eye specialist for the annual exam will ensure that you get the treatment you need to correct these issues and have better vision. Some of the treatments may include the following:
- Eyeglass prescription
- Contact lens prescription
- Eye drops
- Vision therapy
- Ergonomic office changes
Computer vision syndrome is more common than one might think and as technology methods increase, so will computer vision syndrome diagnoses. Vision insurance will cover your necessary annual checkups as well as your treatment needs.
Do I Need Vision Insurance?
Vision insurance is an excellent type of insurance policy to have. You don’t have to currently have vision problems in order to sign up for, and make use of, vision insurance. You plan will cover your necessary eye exams, eye specialist visits for vision problems and treatment offerings. When you have a proper vision policy in place, you can rest easy with the knowledge that your vision bills will get paid. Also, you won’t hesitate when the time comes to have your vision checked should a problem arise or make an appointment to visit an eye doctor for your annual checkup.
Vision insurance is a good investment to make. You don’t have to pay a lot for your vision insurance and it is definitely much less expensive than a major medical insurance policy would be. If you don’t currently have vision insurance through your employer, looking into obtaining an insurance policy to serve your vision needs is highly recommended. This is especially true if you have a family and want to ensure that your family members have the best vision care and coverage in place.
When selecting a vision policy, look at the benefits, consider any co-pays and see how much you’ll have to pay each month in the way of a premium.