Vision insurance is one of the most misunderstood types of coverage out there. People have all kinds of questions about it: Is it really necessary? What does it actually cover? If you would like to understand vision insurance a little better than you currently do, here are a few common misconceptions debunked.
- Vision insurance is only necessary if you wear glasses or contacts. Vision insurance is for everyone, not just those who have existing vision problems. This coverage is important for preventative care such as annual eye exams, which can detect changes in your eye health.
- Your plan will cover everything after you reach a deductible. Vision insurance works differently from health insurance. Instead of your vision insurance covering everything after you reach a deductible, it covers a predetermined amount or percentage for each service or product.
- Vision insurance only covers routine eye exams and eyewear. There are many vision plans out there that offer coverage for products or services beyond your basic eye exams and eyewear. For instance, some offer discounts on LASIK surgery and allowance for frame and lens upgrades.
- Vision insurance comes with your health insurance. Affordable Care Act (ACA) plans must cover pediatric vision, but they usually don’t include adult vision insurance. It may be available as an add-on, or vision insurance may be purchased separately.
If you need assistance finding a vision insurance plan that works for you, feel free to reach out to our team at Innovative Insurance Group.