When it comes to health insurance, it may seem like a joke that somebody decided to outsource dental and eye health and not include it in the main health insurance that you buy for your family. Given that our teeth and eyes are not actually physically outsourced, you would think that would be an argument for collective insurance!
Regardless, even if you don’t wear glasses or need contact lenses, it’s a great idea to have vision insurance. It can become expensive to have an annual exam and comprehensive checks and replacement eyeglasses or corrective lenses when needed. Eye tests are the first line of defense when it comes to catching an injury or disease going on with your eyes and specialized services are not always cheap. If you go for your routine eye check and your doctor finds conditions that have been undetected otherwise, such as high cholesterol or glaucoma, the exam can make a big difference to your ongoing health. Vision insurance is a massive benefit for you, and people of any age or level of health benefits of having this type of insurance.
If you want to save money on your overall health, adding vision insurance to your arsenal is smart. The healthiest of eyes can benefit from vision insurance because injuries or ailments of the eye can be expensive to treat. For such a small body part, you would expect it to be a little cheaper – but that’s not the case.
The out-of-pocket costs for an ophthalmologist are often over what you would pay for a year’s worth of vision insurance. If you go for an exam and any diseases or problems are spotted, you’ll be referred to an IKEA professional that specializes in the area. If you are going to get vision insurance for your children, any issues can be picked up relatively quickly with them, too.
Optometrists do something different to an ophthalmologist, as an ophthalmologist doesn’t have the primary focus of assessing vision acuity. An ophthalmologist is a medical doctor and they can handle severe issues surrounding your eye health. Health insurance can work in tandem with vision insurance to cover the cost of an ophthalmologist’s visits. If you go to the right routine check up and find that your eyes are starting to deteriorate, you’ll be grateful for the extra insurance that you have to cover them.
Vision insurance can reduce your cost for routine preventative care. You can also reduce any gap costs for medically necessary treatments and even prescription eyewear. You may be able to get allowances or discounts for photochromic lenses and scratch resistant with anti reflective coating. There are even some comprehensive vision plans that include LASIK. Speaking to your insurer about what you need is the best place to start here!
Vision insurance can make a big difference in your overall eyecare and health. Make sure that you’re investing in the right policies so that you are able to be as healthy as humanly possible.