Individual vision insurance can provide a variety of benefits. However, very few people actually use it and end up paying hundreds of dollars each year on expensive optical equipment and doctor’s visits. This often misunderstood insurance policy can be easily clubbed with your regular health insurance policy for a small amount, but can bring huge benefits.
Individual vision insurance is a specialized policy specifically designed to take care of eye health. While a health plan may cover general hospital visits, a vision plan caters specifically to eye doctors and optometrists. You need to pay a monthly or annual premium for the policy in return for the benefits.
The people who may benefit most from vision insurance, of course, are people who regularly wear glasses or contact lenses, or have other eye problems. Of course, even if you have good eye health, but you are interested in getting regular eye exams, such an insurance policy would also be quite beneficial.
Since the premium associated with a vision insurance policy is usually quite low (around $15 for most policies), you may find that it pays for itself on an annual basis, even if you rarely visit the eye doctor. It’s no secret that regular doctor visits and prescription glasses can put a significant strain on your wallet. A pair of prescription glasses with quality frames can cost you several hundred dollars. An individual vision insurance policy can cut these costs by providing cover for visits to the optometrist.
The prevailing misconception that might be stopping people from getting this insurance is that it only provides cover for annual doctor’s visits and not for any unforeseen eye health problems. Although this is largely untrue. While the benefits of different policies will vary, most policies cover enough to cover visits to ophthalmologists, optometrists, and in some cases, even eye surgeons. Some specially designed policies can also take care of very expensive procedures like LASIK, Cataract surgery etc. In other words, whatever be your requirement, you can get a policy that suits your needs at a nominal cost.