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Vision Insurance: Is It Right For You
At its most basic level, vision insurance helps cover the cost of routine eye exams, contact lenses and glasses. Additionally, many plans include one pair of glasses or contacts a year. Some vision plans also pay for corrective procedures such as laser eye surgery.
Which policy covers an eye injury or disease?
Routine vision exams by planned provider optometrists may produce a diagnoses that is a medical condition. Your medical health plan generally will cover care for eye disease or eye injury.
Who Provides Vision Care Services?
Frequently, vision care plans contract with eye care professionals. Most plans are PPOs (preferred provider organizations) where your eye care is managed by a network of eye care providers.
Some networks also may include ophthalmologists who perform refractive surgery, and provide LASIK or other vision correction procedures.
Do I Need Vision Care Insurance?
If you or members of your family wear corrective lenses and need periodic eye exams and changes in your eye lens prescription, it may be worthwhile to purchase vision care insurance. If you do not currently wear or need glasses, you may be able to get a periodic eye exam through your medical health coverage plan.
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