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Sight is one of the essential human senses and caring for it is as vital as caring for your overall health. However, the question is, is vision care insurance as important as health insurance? Vision care insurance is available as a group benefit from an employer or can be purchased as an individual policy. In this article, we will tackle the things you should know about vision insurance. Vision Insurance Overview
Vision insurance works like this: you’ll pay your premium to your insurer, or if you are in an employer-sponsored plan, it will be deducted from your paycheck. In return, you will get some benefits like discounts on contact lenses, vision exams, and glasses. Some policies also pay out in cases like being diagnosed with eye disorder or permanent vision impairment. Some vision insurance plans will require to visit a provided within the plan’s network, while others simply need you to be treated by an ophthalmologist or an optometrist that is certified by the American Board of Ophthalmology. On the other hand, if you want to remain under the care of your eye doctor, make sure that the services they provide are covered by the plan you are going to buy. Purchasing your insurance or getting it from your employer will require you to pay monthly premiums for around $5-$15 for an individual. You may add coverage for your child or spouse by paying a little less than the plan’s regular individual rate per person. Meanwhile, if your employer provides vision care insurance, you may have a single opportunity each year to sign up in the yearly open enrollment period. Keep in mind that some individual plans will require you to pay a one-time sign-up fee aside from the monthly premium. Vision Insurance Coverage Different plans cover different sets of expenses. You should check the plan’s coverages if it has what you need before signing up. Usually, bare-bones plans only cover eye exams, glasses, and contact lenses, and works more as discounts plans than insurance. Other plans that are more comprehensive also help in paying eye disease, eye surgery, and permanent vision loss. Most plans give discounts on laser eye-correction surgery as well. Buying vision insurance can be tricky. It is wise to do some research and work on your math before enrolling, to make sure that you are going to get the product that is worthy for you. At Simplified Insurance Solutions, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (888) 340-7633. You can also request a free quote by CLICKING HERE.
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