When shopping for vision insurance and vision care, you should understand all of the different plans and options available so that you can make the most informed decision. In general, vision care plans make sure that all of your routine vision needs (like eye exams, contact lenses, eyeglasses, etc.) are covered, although not always in full. Additionally, some vision care plans will offer discounts on certain procedures, including LASIK. When choosing a vision care plan, you’ll want to look closely at what the plan will cover and how much of the cost will be covered. Depending on your choice, you’ll pay a standard flat fee for vision services or a percentage of the total cost.
As one of the most affordable insurance plans, vision care is typically a simple “add on” to other insurance plans. One of the reasons why vision care insurance costs less than others is because the costs that are covered tend to be much more predictable. In fact, there are very rarely expensive claims in the vision care world, especially when compared to what the cost of a medical emergency would be. For this reason, “vision insurance” is rarely even considered insurance. Instead, vision care plans are actually more “discount memberships” than they are insurance.
Vision Insurance Plans and Options
Even though vision care plans are affordable, the minimal cost doesn’t always make sense, especially if you are self-employed or a freelancer who will be paying for the plan out-of-pocket. In general, things like eye exams and even eyeglasses are fairly affordable on their own. For most people, an annual eye exam and an updated prescription is the most they’ll need. In that case, paying for the exam directly, without a plan, can cost less money than paying a monthly fee for a vision care policy.
With that being said, avoiding going to the eye doctor because you don’t have a vision plan, or don’t want to pay for an exam out-of-pocket, can lead to bigger problems down the road. When an eye doctor examines your eyes, there are other underlying medical problems they can discover, which makes regular eye exams an important part of taking care of yourself and your health.
If you’re concerned about eye diseases or other more expensive eye-related treatments, it’s important to remember that these appointments and procedures are covered by health insurance, not a vision care plan. If you do want a vision care plan and are self-employed, know that they are easy to find and purchase through almost every insurance provider.
With a set of insurance and financial services specifically created for freelancers, CareerGig can help you find the best fit for your needs. Learn more about insurance for freelancers here.