Vision Insurance: do I need it? Here is yet another “do I need it?” question about insurance. There seems to be endless suppliers of insurance providing coverage for every imaginable thing. What is worth investing in and what isn’t? It’s hard to say. Everybody’s situation is different. It depends on a lot of things including your eye health, income, primary insurance, and so on. For example, say you have some minor eye troubles that require a check-up every couple of years. You have a good pair of glasses that you like and most likely your prescription won’t change much over the years. You have a decent income. In a situation like this, you probably don’t need additional vision insurance. The return won’t justify the investment.
Justifying the Cost On the other hand, you have a restless personality and like to change your glasses often. You need several in different colors and styles so they always work with what you are wearing and reflect the variety of looks you want. You have to get your prescription updated fairly often anyway and your primary insurance won’t cover that much. In this case, thinking about vision insurance might be a good idea. They can help cut out the middle man and get you the lenses and frames you need. It would seem that most people don’t really need vision insurance. Unless you have serious eye problems that require a lot of attention, vision insurance doesn’t seem to make much sense. Of course, all types of insurance, no matter what they are, are a nice thing to have around. But many of them are so unnecessary. The service just cannot justify the cost. Especially for people who have no or few eye issues, vision insurance is completely unnecessary.
Evaluating your Needs Think of it this way. Infomercials are there to sell things that seem cool, appealing, unique, and useful, but never are. Almost without fail, anything you buy from an infomercial will end up in a corner collecting dust. It’s junk. No matter how worthwhile it may seem, it will turn into garbage. Yet so many people, against their better judgment, fall for it anyway. They think, “Well that’s kind of handy. I could make use of that. Besides, look how cheap it is. That would be nice to have around the house.” Once it arrives, it’s cool for a week, and then it ends up in the garage. The catch is that it’s true that it was nifty and potentially useful. However, very few people actually need it. The key is to evaluate your needs. If you have pre-existing vision problems and expect to need financial support, it could be a good idea to get vision insurance. Vision health plans are there for those who
need it. Vision health plans can be a great help to those with legitimate vision health concerns. But over-anxious people who think they may need vision insurance sometime in the future but don’t really know yet should avoid the extra cost. Photo Credit: birdbrain , hoboton