Posted January 21, 2016
Employee benefits packages usually feature a variety of choices for different health needs. Many employees consider health insurance the primary coverage option, along with dental and life insurance. However, they may wonder whether they need vision insurance, especially if they are not yet having vision problems. But vision benefits provide for more than just eye exams. Consider three important reasons why you should have vision insurance.
- Vision wellness – Like a regular fitness program, vision insurance promotes good health. Eye exams are considered preventive care and plans typically cover most, if not all, of the exam cost. Scheduling regular exams helps your eye doctor identify vision correction needs, changes inside the eye and early stages of eye diseases, such as glaucoma, cataracts, macular degeneration and diabetic retinopathy.
- Overall health – During an eye exam, doctors often detect serious medical problems, such as high blood pressure, diabetes, some cancers, autoimmune diseases, thyroid issues and high cholesterol. Catching these illnesses at an early stage may reduce medical treatment costs.
- Cost savings – Before enrolling in vision insurance, know your vision care needs for the next 12 months. Do you or your covered dependents need prescription eyeglasses or contacts, LASIK surgery or eye exams? Check the plan benefits to understand the coverage. Basic plans may cover only eye exams and offer discounts on prescription eyewear. Comprehensive vision plans can provide basic coverage plus offer discounts toward LASIK vision correction and extra prescription glasses. For an example of costs with vision insurance, check out this cost calculator designed for VSP members.
For children, eye exams are especially important because kids don’t know what good vision is supposed to look like yet. That’s why parents and caregivers should schedule regular eye exams for their kids to identify vision problems that could interfere with their students’ academic performance.
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