Don’t have coverage through an employer? Individual vision insurance may be the answer.
Do I need individual vision insurance?
Whether your employer doesn’t offer vision insurance or you don’t have access to coverage through an employer, individual vision insurance allows you to get that coverage on your own. There are many reasons why you might not have the ability to get group vision insurance. In these instances, an individual plan allows you to get that coverage on your own terms. If you fit any of the following categories, then this coverage may be for you:
What does individual vision insurance usually cover?
From preventative care like eye exams to eyeglasses (frames and lenses) and contact lenses, an individual vision insurance plan may offer a variety of benefits to help reduce the cost of these services and products. Other plans might also include coverage for vision correction surgery like LASIK. It’s important to select a plan based on your needs, which change depending on your age, vision, eye health, and whether or not you need glasses or contacts to see clearly.
What makes vision insurance different?
Vision insurance helps cover some out-of-pocket costs related to preventative eye care and corrective services and products. Some plans reimburse for certain services no matter where they are provided while other plans might have a network of providers. Other plans offer discounts on services as well.
What is not covered by vision plans?
While your plan may vary from others, it’s important to understand what vision plans typically do not cover and, more specifically, where your health insurance would come into play. For example, if you injured your eye in an accident, regardless of severity, medical services would typically be covered under your health insurance plan (if you have one). Treatment for medical conditions affecting the eyes such as conjunctivitis, glaucoma, retinal detachment, and macular degeneration are also likely covered under your health insurance plan and not an individual vision plan.
When should you consider this type of plan?
If your employer doesn’t offer vision insurance and you don’t have access to any other group vision plan, an individual vision insurance plan could be a good solution. Generally, a plan such as this is beneficial if you are anticipating out-of-pocket costs for eye exams, eyeglasses, or contacts. You’ll want to make sure the amount of benefit is adequate for your anticipated needs, but it’s just as important to make sure you’re not buying more insurance than you truly need. Finally, be sure to check the participating list of providers to make sure there is one available in your area.
Are you interested in an individual vision insurance plan? Contact us to get more details and to help you find coverage for your specific needs.