"The sky is the daily bread of the eyes." —Ralph Waldo Emerson
Emerson also said that life is a journey and not a destination. If the path to your destination gets a little blurry, it’s time to think about vision insurance. This is especially true if you spend more than 3 hours a day in front of the computer. Almost 90% of people who use a computer for 3+ hours per day suffer from vision problems!
|Vision insurance helps pay for the cost of an eye exam and any glasses, lenses, or contact lenses you need to correct your vision.|
Did you know the "eye chart" is actually called a "Snellen chart"?
It helps cover all these good things:
Most plans will cover the full cost of your eye exam, and offer a stated dollar value toward the purchase of eyeglass frames, lenses, or contact lenses. Depending on your selections for these items, the entire cost might be covered, leaving little to no out-of-pocket costs for you.
It's also good to know that your health insurance doesn't cover non-emergency eye care. In fact, your health insurance probably only covers situations where your overall health is threatened by an injury to the eye or a disease that affects the eye. If you notice your vision deteriorating over time, to the point where you can’t drive or read computer screens easily, that’s not going to be covered by a typical HMO or PPO plan.
It’s less expensive than you think! Although cost varies by provider and plan, it’s a safe bet that if you give up one family meal out per month, you can afford vision insurance. On the other hand, according to VSP, the total national average cost of a year’s worth of vision care (eye exam, frames, and lenses) without insurance is $416.
Your eye doctor will test your vision, plus check on your overall eye health.
Your eye doctor will test for things like depth perception, peripheral vision, the way your eye muscles move, and how your pupils respond to light. None of this requires any invasive tests, and you never have to turn your head and cough. Here’s what your eye doctor will check for during your exam:
More than you might think:
VSP: National Average Cost without Vision Coverage
AOA: Comprehensive Eye and Vision Examination
CDC: Vision Health Initiative
CDC: Morbidity and Mortality Weekly Report, May 20, 2011
OptumHealth Vision Summary