Individual vision insurance can provide a range of benefits. However, very few people actually utilize it and end up paying hundreds of dollars every year on expensive optical instruments and doctor visits. This often misunderstood insurance policy can be easily coupled with your regular health insurance policy for a tiny amount but can yielf great benefits.
Individual vision insurance is a special policy designed specifically to take care of eye health. While a health plan might cover general hospital visits, a vision plan caters specifically to eye doctors and optometrists. You are required to pay a monthly or annual premium for the policy in return for the benefits.
The people who can benefit from vision insurance the most are, of course, those who wear glasses or contacts regularly, or have other eye problems. Of course, even if you have perfect eye health but are interested in getting regular eye check-ups done, such an insurance policy will quite beneficial too.
Since the premium attached to a vision insurance policy is usually quite low (around $15 for most policies), you’ll find that it pays for itself on an annual basis, even if you scarcely visit the eye doctor. It is no secret that regular doctor visits and prescription glasses can put a significant strain on your wallet. A pair of prescription glasses along with quality frames can cost you several hundred dollars. An individual vision insurance policy can cut down these costs by providing cover for visits to the optometrist.
The prevalent misconception that perhaps prevents people from getting this insurance is that it provides cover only for annual doctor visits and not any unexpected eye health issues. This is largely untrue, however. While the benefits of different policies will vary, in most policies, there is adequate cover for visits to opthalmologists, optometrists, and in some cases, even eye surgeons. A few specially designed policies can even take care of very expensive procedures such as LASIK, cataract surgery, etc. In other words, whatever your requirement, you can get a policy that fits your needs at a marginal cost.