Individual health insurance policies can offer several benefits. However, very few people actually use it and end up paying hundreds of dollars each year on expensive optical instruments and doctor visits. This often misunderstood insurance policy can easily be linked to your regular health insurance policy for a small amount, but can yield major benefits.
Individual vision insurance is a special policy designed specifically to take care of eye health. While a health plan may cover general hospital visits, a vision plan is specifically for ophthalmologists and optometrists. In exchange for the benefit, you are required to pay a monthly or annual premium for the policy.
Of course, the people who can benefit most from vision insurance are those who regularly wear glasses or contact lenses, or who have other eye problems. Of course, even if you have perfect eye health but are interested in regular eye checkups, such insurance will also be very helpful.
Since the premium associated with vision insurance is usually quite low (about $15 for most policies), you’ll find that it pays for itself on an annual basis, even if you barely visit the eye doctor. It’s no secret that regular doctor visits and prescription glasses can put a significant strain on your wallet. Prescription glasses and quality frames can cost you hundreds of dollars. Individual vision insurance can reduce these costs by providing coverage for visits to the optometrist.
The prevailing misconception that may deter people from purchasing this insurance policy is that it only covers annual doctor visits and not unexpected eye health problems. However, this is largely untrue. While the benefits of different policies may vary, most policies cover visits to ophthalmologists, optometrists and, in some cases, even eye surgeons. A few specially designed policies can even take care of very expensive procedures like LASIK, cataract surgery, etc. In other words, whatever your requirements, you can get a policy that meets your needs at a marginal cost.