It’s Easy to See Why You Need Vision Insurance

Vision insurance is a coverage of which people often opt out. It’s seen as being “unnecessary”, or a luxury type of insurance plan, and consumers feel that they can easily let it go to save a little on their monthly premiums. However, vision insurance is actually quite beneficial, and for some people, necessary.

Why is it worth purchasing vision coverage?

First, vision insurance covers eye-care costs that your typical medical coverage plan does not. While your regular medical coverage typically covers injuries to your eye (i.e., getting hit in the eye, having something harmful in your eye, etc.) it might not cover the cost in full, or it might not be covered at all if not deemed medically necessary. Additionally, vision insurance covers your routine eye care costs (like your annual exam) that your medical insurance will not pay for. Instead of a several-hundred dollar bill from your yearly exam, you will likely have a minimal copay (typically of $30 or less) if you have vision coverage.

Second, vision insurance has some pretty substantial perks, especially if you wear glasses or contacts. Average vision plans cover new glasses each year (as long as you don’t opt for fancy designer lenses or anything over-the-top) and usually offer discounted pricing on contact lenses. Since glasses and contacts can be quite expensive, the savings on these items might end up almost negating the cost of the vision insurance premiums at the end of the year!

The best part about vision insurance is that it’s very inexpensive. Plans can be as low as $3-$7 per month, which means for less than you’d spend on lunch, you could save yourself hundreds in eye care costs. Are you interested in adding vision coverage onto your existing plan, or purchasing vision coverage outright? Give us a call! Carroll Marshall Insurance can help you determine exactly which plan is right for you and your family, to ensure your needs and your budget are met. Feel free to stop by our Winter Haven office with any questions you might have as well. We always love to see our clients!
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