If you wear glasses or contacts, or if your family has a history of vision problems, you are even more likely to benefit from a good vision policy.
But guarding against the most common eye conditions is easily the most important reason to get vision insurance, and that’s what we’ll focus on here below.
The Most Common Vision Problems
While there are numerous possible vision problems that you could face, especially once over the age of forty, and later, over the age of sixty; it is refractive errors resulting in nearsightedness, farsightedness, or presbyopia (you need “reading glasses”) that are by far most common.
Laser eye surgery often helps correct there errors, and it may or may not be covered on a regular vision insurance plan – but you can always add it as a rider if necessary.
Cataracts, a clouding of the eye lens, can eventually lead to vision loss if left untreated. Cataracts are extremely common and yet can be corrected by relatively “routine” surgeries covered by vision insurance plans.
Glaucoma, where the optic nerve suffers damage, can be treated through appropriate medication. Macular degeneration, often age-related, can blur your central vision. But vision coverage will defray the costs of treating it.
Other common eye conditions covered by vision plans include: diabetic retinopathy, conjunctivitis (“pink eye,”) amblyopia (“lazy eye,”) and the vision-threatening strabismus that typically afflicts small children.
Health Insurance May Not Be Enough
You can get some coverage for some eye problems through your regular health insurance plan – and those under nineteen are given a degree of additional coverage under Obama Care.
But, especially for adults, ordinary health insurance won’t cover many conditions and won’t cover them enough even when it does cover them some. Basically, Obama Care health plans don’t offer vision coverage for adults, so you really need to protect your eyes with a separate vision care policy.
Vision insurance will guard you against overwhelmingly expenses from any of the most common vision impairment problems you face, plus, by covering your annual eye exam, it will greatly increase the chances of catching problems earlier rather than later to improve their “treatability.”
To learn more about the many benefits of vision insurance, or for a free no-obligation quote, contact Flagler County Insurance Agency today!