Most people think of health insurance as a necessary evil. It’s something you have to have, but no one wants to deal with it. And vision insurance is no different. Most people don’t bother getting it because they think it’s not worth the cost. But is that really true? Let’s take a look at some of the benefits of vision insurance and see if it’s really worth skipping out on.
Benefits of Having Vision Insurance:
1. Cost Savings –
One of the main benefits of having vision insurance is that it can save you money on eye care costs. With vision insurance, you can get discounts on routine exams and eyeglasses or contacts. In some cases, you may even be able to get free services like contact lens fittings and vision screenings.
2. Comprehensive Coverage –
Vision insurance provides comprehensive coverage for your eye care needs. Depending on the plan you choose, it could cover basic services like annual exams, glasses, and contacts as well as more advanced services like corrective surgery and laser vision correction.
3. Savings on Upgrades –
Many vision insurance plans also offer discounts on upgrades like frames and lenses. This can be a great way to save money when you need to upgrade your glasses or contacts.
4. Preventative Care –
Vision insurance plans often cover preventative care for things like glaucoma screenings, cataract exams, and diabetic eye exams. This means that you’ll be able to catch any vision problems early and get treatment before they become more serious.
Drawbacks of Vision Insurance:
1. Limited Coverage –
While vision insurance can provide some great benefits, it’s important to remember that there are limits. Most plans only cover basic services like routine exams and glasses or contacts. If you need more advanced services like corrective surgery, then you’ll have to pay out of pocket.
2. Cost –
While vision insurance can save you money in the long run, it can also be costly upfront. Most plans require an annual premium that can add up over time. And depending on your plan, there may even be additional copays or out-of-pocket costs.
3. Limited Provider Networks –
Another potential downside to vision insurance is that it tends to have limited provider networks. This means that you may not be able to find an eye doctor in your area who accepts your vision insurance plan, which could make it difficult to get the care you need.
According to the National Eye Institute, more than 4.2 million Americans aged 40 and older are blind or have low vision, and nearly 10 million more have a visual impairment that affects their daily lives. This number is expected to rise to 5.5 million by 2050 due to population aging, with an estimated 28 million people struggling with some form of vision impairment.
With these statistics in mind, it’s clear that vision insurance is worth considering. While there are some drawbacks to having vision insurance, the potential benefits could be life-changing and can help you save money on necessary eye care services.
So while it’s important to weigh the pros and cons of vision insurance carefully, it’s worth considering if you want to ensure that your eyes stay healthy and protected. By understanding what vision insurance covers and how much it costs, you can make an informed decision about whether or not it’s something you should add to your health care plan. And with the right coverage in place, you can be confident that you’ll receive the eye care services you need.