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Traditionally, vision insurance was largely perceived as a means to offset the cost of eyeglasses or contact lenses. But its significance extends far beyond covering the cost of corrective eyewear. Top vision insurance companies today offer comprehensive eye insurance that facilitates early detection of systemic diseases, and promotes preventive care. These plans are designed to minimize out-of-pocket costs at the doctor’s office.
Three common types of coverage offered by vision insurance companies
As an increasing number of people spend more time on digital devices for work, communication and entertainment, a substantial rise has been witnessed in both the demand and cost of eye care. Increased screen time puts greater strain on the eyes, leading to discomfort and long-term vision issues. To maintain eye health in this digital age, therefore, one must go for regular eye check-ups. With more people facing eye strain, the need for professional eye care has been greater than ever. However, paying for eye checkups and corrective eyewear out of pocket can be quite expensive. This is why many turn to vision insurance companies. In fact, companies of multiple types and sizes today choose to make vision insurance a part of their employee benefits packages.
Vision insurance not only supports good eye health but also has broader health implications, and hence can be a strategic choice for businesses. This insurance typically covers:
- Routine eye exams: Annual eye exams help monitor your eye health. They are much more than just vision tests. Regular eye exams help detect eye diseases like glaucoma or cataracts, and track changes in your vision. They can also uncover health issues like diabetes or high blood pressure. If you already wear glasses, contact lenses, or have a chronic eye issue, annual eye checkups would make sure that your prescription or treatment plan stays effective.
- Essential eye surgery: Vision insurance plans can cover critical medical procedures, like cataract removal and surgeries required to address eye injuries. This encourages people to pursue the necessary treatment promptly instead of postponing it due to concerns about high medical expenses. When individuals delay important eye procedures, even minor conditions can worsen over time, potentially resulting in severe complications, lasting visual impairment, or even permanent vision loss. Early diagnosis and timely surgical intervention, on the other hand, often lead to faster recovery and better long-term outcomes.
- Corrective Lenses: Vision insurance plans can cover or offer discounts on prescription glasses and contact lenses, making sure that you have access to the corrective eyewear you need. Corrective eyewear goes a long way in enabling people with vision issues to maintain productivity and quality of life. They can reduce eye strain, headaches, and visual fatigue that result from untreated refractive errors.
Many vision insurance companies allow you to enjoy eyewear add-ons like an anti-reflection coating, scratch-resistant coating, and UV protection at no additional cost. These companies may even provide you with reimbursement for LASIK. Certain vision insurance companies additionally partner with employers, vision insurance brokers, and providers to enhance their services.