It is important to have good medical insurance to maintain your health. The decision to purchase vision insurance can be complicated since many aspects of eye care are not covered by regular medical insurance.
Generally speaking, eye care that is related to an overall medical condition falls under your healthcare policy. An example of this would be where a doctor deems an ocular exam necessary for a diabetic with high blood. In such circumstances, medical insurance may cover the cost of an appointment with an optometrist under the framework of general health.
Some medical insurance plans offer supplemental plans to cover eye care. Others combine vision and dental care coverage as a package. Depending on your individual needs, you will need to determine if it is a worthy investment. For those who require extensive vision care, the costs can add up. Vision insurance may be the way to go.
Prices vary depending on how extensive the plan. Simple plans can be as low as $10 monthly. Higher tier plans can cost as much as $30 monthly but may offer top-tier benefits such as discounts on corrective surgery such as LASIK.
Medicaid and Medicare are federal and state programs providing assistance and insurance for seniors and people with a low income. While neither program offers extensive vision care, speak with state providers to see if you are eligible and to determine if they provide viable options for you.
Generally speaking, Medicaid and Medicare provide limited benefits for vision. For those with a limited income, contact a state Medicaid or Medicare provider to find out if they offer viable options that match your needs.
Everyone's medical requirements are different. Vision insurance isn't right for everyone. However, for those who require more extensive vision care, a good insurance plan can save them a lot of money.