Vision Insurance Plans

Visiting a qualified eye care professional for a routine eye examination is crucial to ensuring the long-term health of the eyes. The high-costs of eye examinations can often leave a strain on the families’ finances if one of the vision insurance plans isn’t in place. And the cost-effective plans are easy to arrange and cover everyone in the immediate family                 

Vision insurance is often a supplemental aspect to a regular health or medical indemnity plan. A standard health policy is there to provide care and treatment for unexpected eye disease or injury. The vision insurance is to cover eye care expenses and the fees for routine eye examinations, including glaucoma and cataract screening, as well as corrective lenses or eyewear. A doctor or clinic that’s associated with the organization examines the patients.

Eye care insurance policies offer discounts on – annual eye check-ups, prescription lenses and frames, contact lenses, non-prescription sunglasses, eye drops and medication. And often at extra cost, discounted rates for LASIK or PRK vision correction treatment.

When viewing the availability of vision indemnity schemes its essential to compare the extent of coverage. Restrictions and limitations will vary with the specific plans and insurance providers. Some schemes cover the fees for an annual eye exam, but do not help with the cost of glasses or contact lenses. Savings in the region of 20% to 55% are often seen in these care plans.

In view of the number of adult US citizens that wear contact lenses or glasses, with latest studies indicating this figure at 63%, it shows the importance of having adequate vision insurance plans in force. Taking the steps to ensure preventive care of the eyes is essential to ensure the long term health of vision in later years.