Why Should I Have Vision Insurance?

Most people understand the importance of health insurance, but a considerable number of people don’t know if they should also have vision insurance. Vision insurance refers to a contract between a consumer and an insurance provider, which provides vision care coverage in return for a premium. Most people’s premiums will help cover eye exams and corrective eyewear. Even if you have perfect vision, proper preventive eye care is essential to ensuring the health of your vision for the future. 

How Does Vision Insurance Work? 
When you have vision insurance, you will pay a premium in exchange for benefits such as discounted vision exams, glasses and contacts. Some plans will require you to see a provider in the plan’s network, while others require you to be treated by an optometrist or ophthalmologist.  

What Does Vision Insurance Cover? 
Vision insurance typically helps cover the following: 

• Annual exams
• Glasses lenses
• Frames
• Contact lens fitting 
• Contact lenses 

Providers may also offer additional coverage options for services such as additional appointments and LASIK surgery. It’s also important to note that if you need medical eye surgery or treatment for conditions such as glaucoma or cataracts, it will usually be covered by your health insurance instead of your vision insurance. 

Is Vision Insurance Worth It? 
To determine whether or not vision insurance is for you, consider how often you see an eye doctor and if your prescriptions change frequently. It may also help to speak with an insurance professional to determine if vision coverage is right for you. 

Vision Insurance Quote in Ann Arbor and Brighton, MI 
If you are interested in learning more about vision insurance, contact Active Insurance. Our dedicated staff of insurance professionals is here to assist you in securing the insurance policies you need to protect yourself, your loved ones and your assets.  

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.