Individual Vision Insurance Coverage
Whether you have health insurance that doesn’t cover vision benefits or have no health insurance whatsoever, it is extremely important to have individual vision insurance coverage. This is especially true if you wear glasses or have found yourself unable to see as you were once able to do. Your vision will not necessarily be the same throughout your lifetime and minor changes in vision can greatly impact your daily activities such as reading, writing and driving. In fact, there are so many daily tasks which can be hampered by impaired vision that it is essential that we take good care of our sight. Individual vision insurance coverage is actually quite affordable and there are a number of plans to suit almost any budget.
In-Network Member Plans
Some individual vision insurance plans provide members with a network of providers that simply require a co-pay at the time of the visit. Some plans limit visits to an annual exam unless emergency treatment is needed. This type of plan usually has a co-pay for prescription glasses and may cover a certain amount towards specific types of lenses not covered in the plan. For example, if the plan allows for a basic frame and the member chooses a designer frame above the cost provided for on the plan, a certain amount of money is allowed and the member will pay all costs above that. Other times custom frames might be covered up to a certain percent.
Basic Vision Insurance Plans
Some types of individual vision insurance coverage are provided for on plans that simply cover a percentage of services and/or products obtained from any qualified ophthalmologist or optometrist. While this type of insurance may cost less, the benefits might not be as good as those on co-pay plans. Sometimes this type of individual vision insurance coverage only pays 50% of an annual eye exam which could cost more than $150 or $200 and perhaps the same amount applied toward a pair of glasses. While paying a few dollars less each month on premiums might sound like a good deal, when it comes time to have your eyes checked and pay for new glasses, you may just find that it wasn’t worth those lower premiums.
Things to Consider When Purchasing Vision Insurance
When you begin getting quotes on individual vision insurance coverage, there are certain things that you should take into consideration. One of the major areas in a vision care plan that many people fail to take into account is what it will cost if you need specialized care or products which aren’t covered on the policy or plan. Some plans do not cover contact lenses while others only provide a small percentage toward the payment. Other plans may not cover multi-focal lenses while they would cover bifocals or trifocals. Then again, there are other vision plans that exclude some types of services or products altogether. Also, there are deductibles to consider. Some vision insurance plans do not make you meet deductibles prior to receiving benefits while others let you choose annual deductibles.
Simply because you are without individual vision insurance coverage does not mean that you should jump on the first plan that you find which sounds good. Take the time to do some comparisons between vision insurance providers to find one which will yield the greatest amount of benefits at the most reasonable costs. Make sure that you are getting the coverage you need rather than simply shopping for the lowest priced vision insurance. There are a number of good vision insurance plans out there so take the time to find the one that is right for you.