Supplemental Vision Insurance
As the name suggests, supplemental vision insurance is a supplement to your current health insurance plan. Many health insurance policies give consumers the option to add vision coverage to their policy. Whether or not you should do this depends on various factors. The most important being whether or not you feel you need vision insurance. If you wear glasses or contacts, it would probably be a good thing to have. Before signing up, however, it is important to understand what is covered by this type of insurance and what is excluded.
Supplemental vision insurance should take care of expenses related to optical care. This includes things like yearly eye exams. Also, glasses and/or contact lenses may be covered. If the entire cost of glasses and/or contacts is not covered, a portion of the cost may be. Certain corrective procedures, such as laser eye surgery or LASIK, may or may not be covered. Sometimes because they are elective procedures they are not covered, however some policies may cover part of the bill. While you can get separate eye care insurance, most people add it onto an existing health insurance policy. It is a supplemental type of policy in much the same way dental and/or maternity coverage would be.
The number one purpose of supplemental vision insurance is to take care of basic eye health needs and make sure individuals are getting their yearly checkups. These exams not only check the vision to see if you need corrective lenses, they screen for other problems like cataracts and glaucoma. When caught early, optical problems can be corrected more easily than if they are left unnoticed and not diagnosed until in a late stage. There are conditions like diabetes that can have an effect on vision also, and this is something else eye exams will monitor.
If you already have a health insurance plan, speak with your insurance agent about whether or not you can add supplemental vision insurance to it. If you do not have health insurance but are shopping around for it, there are online sites where you can get free instant quotes. You simply fill out a form and after you submit it you will receive estimates on the type of policy you've specified that you want. This is a great way to decide on a policy and an insurance company.
To apply for a health insurance plan with supplemental vision insurance, you may be able to fill out your application online or submit it over the phone. You will need to speak with an insurance agent to verify your application information. This is a good time to ask any questions you may have. After your application has been verified it will be sent to underwriting. This department looks at many different factors to establish whether you are approved or denied. If your coverage is approved you will receive comprehensive information about your policy, how much it costs, how to pay premiums, how to file claims and more.