Are you tired of paying for all your eye care expenses out of pocket? Should you buy vision insurance?
Most individuals need some kind of corrective eyewear. In fact, 66% of U.S. citizens aged 18 and above say they use corrective lenses. If you or a family member is in this category, getting vision insurance might be a wise financial decision. It helps cover the cost of routine eye care, like exams, glasses and contacts.
There is another good reason to consider vision insurance. Regular eye exams and timely treatment of vision problems can help maintain good vision and overall health. Poor vision can have a negative impact on a person’s physical, social, and emotional well-being
There are two main types of vision insurance: individual plans and group plans through an employer. Individual plans need to be paid for out-of-pocket, while group plans may be deducted from your salary. Both types usually cover eye exams, glasses, and contacts. Some plans may require you to see an in-network provider, while others just require regular visits to your eye doctor. Most vision insurance plans also cover eyewear like glasses or contact lenses, and some offer additional coverage for daily disposable lenses and discounts on corrective eye surgery.
But is vision insurance right for you? It really depends on how often you need to see an eye doctor and what you do for a living. Good vision is essential in many professions, so it’s wise to protect it. This is precisely why the experts at Nationwide Moving Services ensure that all of their drivers have vision insurance.
When choosing a plan, make sure it covers your current eye doctor and consider the cost, whether you’re going with an individual or group plan. Standard vision insurance policies cost an individual between $5 and $35 a month, depending on the coverage level. And don’t forget to check the total yearly cost against your expected annual eye care expenses. You don’t want to spend more than you’ll get back in benefits.
Let’s see an example to see how much money you’ll save. If you look at the national average cost of eye exams, lenses, and frames, you will find that it is around $560. If you go with a basic discount plan that costs around $5 per month, you can save about 30%. That would allow you to save approximately $100. Of course, this varies significantly based on your state, city, and even your doctor’s rates. Therefore, it’s a good idea to get a quote from each provider you consider before choosing one.
Most vision insurance plans come in two types: benefits plans and discount plans. Benefits plans give you a set dollar amount for services and products you need, while discount plans offer a predetermined discount on everything. The cost of a plan can vary based on age, current eye health, and risk of illness. But no matter the price, it’s important to compare your options and choose the plan that works best for you.
Insureous Health Solutions will be happy to provide you a no-obligation vision plan quote for you and your family. Contact us here.