Wednesday, January 25, 2012

Individual Vision Insurance

Do you wear glasses or contacts? If so, you probably make periodic visits to the optometrist. Here you will have checkups and make sure your eyes are in good condition. They'll also give you a higher prescription for glasses or contact lenses as necessary. If you deal with this expense, you know that it can add up quickly.

Even if you don't have classes or contacts, that is no reason to skip the eye doctor visits. It's one thing to go less frequently, but it is another to go 10 or 20 years without going to the eye doctor. You shouldn't wait until you can't see well to get your eyes checked. That could cause more damage to your eyes. Also, you could have and I disease and not even know it. Don't take that chance.

Tuesday, January 3, 2012

Insurance For Prescription Glasses

There is a lot of speculation growing around the fact that prescription glasses are insured or not. The truth is the coverage may vary from plan to plan. The medical insurance plans will cover for loss of vision and arrangement of prescription glasses only if you have damaged your eye due to a disease or an eye injury, possibly due to an accident. So, if you are using prescription glasses for your eyes, because you have a routine vision problem, the medical insurance will not cover it, unless there is 'vision insurance' policy as a part of the agreement.

Let's talk about vision insurance policy now. This insurance is given as a value addition if you take a group insurance plan. With vision insurance policy, you have access to a network of eye care hospitals, clinics and eye specialists. You get discounts and insurance coverage on your vision related treatments, even if they are of routine nature. The insurance also includes covering the price of prescription glasses. Depending upon the plan that you take, you get annual cover for eye examination, eye glasses, frames, LASIK surgery discounts and contact lens.