When thinking about health insurance plans, some of the first needs are covering costs of preventative care (office visits & exams) and for covering serious medical conditions and accidents. However, there is another type of insurance that is equally important to your well being and is right in front of you but often overlooked.  This insurance coverage is Vision Insurance.

Vision Insurance Basics

Though it might not seem logical to anyone who needs contacts or eyeglasses everyday private and governmental insurance providers categorize vision insurance as a non-essential or supplemental/specific coverage option.  The categorization exists based on an inequality in the number of patients needing eye care in most plans versus the total amount of patients encompassed in the plan that need all types of healthcare procedures.  For eye plans to be included as an essential benefit in many plans, the cost of these specialty needs would need to be spread across the entire group membership, thus causing higher premiums for all for a limited needed service.

Vision insurance can cover preventative, maintenance, and surgical procedures needed for the eyes.  Such procedures include but are not limited to routine eye exams, corrective lens or eyewear, surgeries, regenerative therapies, or physical therapies for eye trauma.  When purchasing vision insurance, a few options exist. Vision insurance can be can be purchased supplemental to existing health plans.

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