Vision Insurance – A Brief Explanation

As compared to a regular insurance plan, vision insurance is really quite cheap and can give you a lot of benefits if you suffer from poor eye sight, or there is a history of eye related problems in your family.

You can either get vision insurance as a standalone plan, or you can get it as an add-on to your regular insurance plan. In case of the latter, you will have to pay a small fee in addition to your regular costs.

If you know that your family has had a history of poor eye sight, or if you are approaching old age when eye sight becomes poor automatically, it would be wise to invest in vision insurance. Also, if you have school going kids and they show symptoms of poor eyesight, you should consider getting this plan as it can significantly reduce the costs related to eye care.

Anyone who has ever had to visit an optician knows how expensive simple things like frames or glasses can be. Contact lenses too can run into hundreds of dollars. Moreover, they are prone to getting lost, or in the case of glasses, broken. This only adds to your cost. A vision insurance plan can save you a lot of money by getting you big discounts on glasses and contact lenses.

Then there is the issue of eye exams. Eye exams can run from $50 to $200. This is a significant amount of money, particularly if more than one member in your family has poor eye sight, and can add up to thousands of dollars over the course of an year. A insurance plan for vision can cut down these costs by a significant amount.

On the other hand, if you have only slightly poor eye sight (that is, you need to wear glasses only occasionally), and there are no other family members who suffer from eye related problems, then getting a vision insurance plan would be a sheer waste of resources. Evaluate your own medical needs before you come to a conclusion regarding a vision plan.