Health or Vision Insurance: Which One is Better?
According to the latest figures in the National Health Interview Survey Provisional Report conducted in 2008, more than 25 million American adults experience vision loss ranging from the difficulty to see despite wearing eyeglasses to complete blindness.
There’s no doubt that getting your eyes checked once a year, at least, is a good idea even if you have no serious disorder related to your eyes. Now if something does go wrong, eye examinations, eyeglasses, and contact lenses, or even surgical procedures form the solution to get your sight back. But there is a caveat: it’s really expensive.
You don’t want to have to pay for it all yourself so uou are left with the choice of going in for health or vision insurance.
As you should be aware, vision and health insurance are very different in nature, where the latter offers comprehensive treatment in terms of a serious medical eye condition in comparison to what’s offered in a vision plan.
In opting for vision insurance, you should be able to conduct one routine eye examination per year and partially or fully cover the costs involved with eyeglasses or contact lenses. With health insurance, you can conduct as many eye examinations as needed in a year while also being able to cover costs when it comes to a medical procedure that might be required on examination. However, you won’t be able to purchase eyeglasses or contact lenses with health insurance.
Also, a diagnosis for astigmatism, nearsightedness, and farsightedness is possible if you take an individual vision plan, whereas a health insurance plan will only allow you to examine eye health conditions that fall under the purview of medical insurance.
If you are wondering whether you should have a vision plan along with medical insurance, it really depends on the condition of your health and your budget. It’s also possible that you might find health insurance plans cover routine checkups, so it’s a good idea to do some research.
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