Is Vision Insurance plan a must buy?
"I do not wear prescription eyeglasses, I do not need a Vision Plan to insure my vision." This could be your natural response to someone who suggests you to buy a vision plan. But, may be it's time for you to think over it again.
Many of the eye diseases do not show signs or symptoms before it impacts you. The only way to avoid it, is by going for regular eye examinations and vision testing by an experienced optometrist. Now, this is where your Vision Insurance can help you with the cost that is incurred on vision care.
A good health insurance plan always comes bundled up with a vision plan. Sadly, at times vision insurance is the only reason for people to schedule their annual eye exams, which means that if people did not have a vision plan, they probably will not prioritize eye care. It is important to know that certain eye diseases such as Glaucoma, is often not diagnosed early by optometrists/ophthalmologists to prevent vision loss. A vision plan helps you in securing for such unforeseen expenses arising in the future.
Now that you know and understand the importance of a vision plan, you should make it a priority to invest in a vision plan that suits your requirements
Picking up the best vision plan for yourself
Currently Vision Service Plan (VSP), Eyemed Vision Care, Aetna, Humana, Anthem Blue Cross, VisionCare Plan and Vision Benefits of America are some of the preferred vision plans available. The plans offer excellent benefits through large network of providers that consist of top quality independent private practitioners.
Alternatively, the user has the following options available -
Flexible Spending Account (FSA), is a tax advantaged financial accounts set up by an employer which allows an employee to set aside a part of his income to pay for medical expenses. Expenses incurred on eye examinations, eye glasses and contact lenses are considered to be health care expenses and you can pay using your Flex Account. If you already have a Flex Account, you do not require a vision plan.
Health Care Financing like Care Credit Patient Financing specialize in supporting a patient by financing their healthcare treatments. Currently they are associated with many private practitioners and basis your eligibility criteria you can get up to 2 years of interest-free financing.
Separate Savings Account have been set up by people for covering their medical expenses. They keep adding little money every month for any planned expenses related to health care. Considering, vision care is a planned expense with few exceptional scenarios, you can generally plan your expenses on buying new glasses or eye exams and can be paid out of this savings account.
At Devlyn Optical, we accept most major vision insurance plans and are an out-of-network provider for many others. We check your plan to see what savings you're eligible for and help you in making eye care affordable for you.
If you have any further questions related to vision insurance, just call your nearest Devlyn Optical store and we will be happy to help.