Is Vision Insurance Worth It? While health insurance in general is often a big decision among individuals, not that many people ever take the time to consider whether they need vision insurance or not. Since insurance policies and plans can differ greatly depending on your carrier, what is being covered, and many other details, signing up for vision insurance can be an intimidating task. Read through these points to bring yourself up to speed on some of the benefits and disadvantages to getting vision insurance.
You Will One Day Need Glasses While there are always exceptions to this rule, the fact is that the majority of people will wear some sort of corrective eyewear at during some period of their life. Although it is quite difficult to determine beforehand exactly how bad your vision may get, it is wishful thinking to imagine that your eyes will stay in perfect condition forever. So while today might not be that day, make sure you understand that you will probably have to start paying for glasses or contact lenses at some point in your life.
Understand The Costs You need to make sure that you comprehend how much glasses and the associated costs will run you, especially if it is your first time needing them. Glasses can be extremely expensive, with the combined price of consultations, frames, and lenses running over $500. While there are always options that you can pursue in order to satisfy your eyewear needs for cheaper, you should realize how much poor vision will cost you without an insurance plan to help.
Insurance Does Not Cover Everything While vision insurance does help out with some of the costs associated with getting corrective eyewear, it would be a mistake to assume that is takes care of everything. There is no standard across every insurance plan, and there are probably some extremely high-priced policies that do go a very long way toward paying for your glasses, but you should know that a vision insurance add-on that you might purchase along with your regular insurance policy would generally only pay for part of the costs. Insurance for vision care is important, and can be very beneficial, but it simply must be planned out and bought in the right way. Unlike regular health insurance, which tends to act as a safety net, vision insurance should be considered more carefully. Unless you don’t mind throwing extra money into your insurance policy, research
exactly what a vision insurance add-on would provide you with, and make sure that you would be using what it has to offer. So take some time to categorize your vision needs and figure out if you will need new glasses or eyewear soon. Photo Credit: boyinbrown , L-O-L-A