Caring for Your Vision – When and Why

Vision insurance is a supplemental benefit and usually taken along with the major medical insurance policy-the one that covers you for doctor visits, hospital stays, diagnostics and surgery. Vision insurance is generally given as a group coverage and is difficult, not impossible, to obtain at a reasonable cost as a stand-alone. Usually dental and vision insurance go together.

So should you have vision insurance?

Before I answer that, let me tell you why vision testing and treatment is important.

According to the Center for Disease Control, the premier government health agency, approximately 11 million Americans 12 years and older have impaired vision. Over 3 million Americans over age 40 are legally blind or suffer from low vision.

Other than the fact that eyesight is one of the most important functions for humans, you should understand that our eye and the placements around it–the capillaries, focusing and receiving mechanisms etc. –are built in a very complex formation.

Here is what your eye insurance or vision insurance should cover at the minimum:

1. Eye exam

The most commonly covered vision basics are annual eye examinations where there is a complete evaluation of the eyes, including tests for eye health and a refraction to determine the need for glasses.

2. Vision correction

This involves ensuring you are properly fitted with right types of glasses–b or tri-focals, reading glasses, glasses for distance etc.

3. Medical condition related vision exam

This could involve lack of oxygen in the eye area due to excessive sugar in the blood. This can affect your vision and eye muscle