Although not widely understood, vision insurance is an added layer of protection when it comes to your health. Here’s a look at the basics of vision insurance so that you (and your eyes) can get the most out of it.
First, you should know that vision insurance is a supplemental insurance. In other words, it’s not part of your major medical insurance, but considered an additional policy. Most people pay a separate monthly premium for vision insurance. Your employer may pay some or all of the premium. Regardless, it’s important to educate yourself about what your plan covers.
Generally speaking, vision benefits fall under a “use-it-or-lose-it scenario,” which means if you don’t act your eye health could unnecessarily suffer (and you’re essentially wasting money). You most likely have coverage for an annual, comprehensive eye exam that may be called a routine exam. Your plan may also cover a medical eye exam.
What’s the difference, you ask? The insurance company often determines this. The two exams are fairly similar, so opting for either is going to serve you well. Your symptoms and diagnosis may play into how your exam is coded and classified by the insurer. During your exam, your Midwest Eye Consultants doctor will look for eye muscle imbalance, vision disorders, and eye disease that could potentially cause future problems.
In this way, having vision insurance (and following up with exams) is a proactive measure in caring for your overall health. You don’t have to go it alone, though. Insurance can be confusing, but we’re here to help you cut through the clutter. We are happy to provide advice regarding your insurance coverage. We also recommend calling your insurance company for further clarification.
So, when was the last time you had your eyes checked? If it’s been more than a year, it may be time for a check-up. If you wear glasses or contacts, it’s a good idea to make sure the prescription still meets your needs. Your policy may also help pay for the cost of new lenses each year.
Eye exams are just as much about staying on top of current concerns while preventing or diagnosing issues in the early stage. Your eyes provide valuable insight into your overall health. An annual exam can bring potential health issues to light.
Don’t lose your benefits. Schedule a comprehensive eye exam today and enjoy peace of mind in 2019.