Vision Insurance Escondido | Serra Benefits
Vision problems can range from extremely minor to very severe. However, no matter how mild your vision problem may be, it is still important to have routine eye care. Vision insurance helps you maintain eye wellness, and aids with your overall health because eye exams evaluate for common health conditions that can sometimes show up in the exams. Even those with perfect vision shouldn’t skip eye exams.
What is Vision Insurance?
Vision insurance is a type of health insurance that helps to cover the cost of routine eye care, such as eye exams and prescription eyewear. Vision correction procedures such as LASIK and PRK are also available at a lower cost through some vision plans. Vision insurance is different from major medical insurance in that it typically has an annual premium and provides specific benefits and discounts for routine eye care.
Who Needs Vision Insurance?
Anyone living in Southern California who has vision problems or who is simply trying to stay as healthy as they can would benefit from vision insurance. Your eyes and vision are extremely important and having a professional eye doctor exam your eyes regularly can help you stay on top of your health and vision. Vision insurance can help cover the cost of exams, new glasses or contacts, glasses fixes, common diseases such as stigmatism or glaucoma treatment, or even laser eye surgery to cure visual issues in some plans.
According to a study by The Centers for Disease Control and Prevention,
“Glaucoma is one of the leading causes of irreversible blindness in the United States. More than 3 million Americans have glaucoma. By 2050, that number is expected to rise to 6.3 million. Glaucoma costs the US economy $2.86 billion every year in direct costs and productivity losses.”
Seeing an eye doctor regularly can help make sure you and your family are well taken care of and allows you to catch any potential issues early before they become big problems.
What Vision Insurance Pays For?
Vision insurance typically comes in the form of either a vision benefits package or a discount vision plan.
In exchange for a yearly premium or membership fee, and a relatively small co-pay (a fixed dollar amount) each time you visit, most vision benefits packages provide free eye care services and glasses or contacts.
A vision plan with a discount provides eye care and glasses at reduced prices following the payment of an annual premium or membership charge.
Both types of vision insurance are available to cover a variety of customers, including schools, unions, and big and small businesses.
Vision Insurance plans usually offer discounts on the following products and services:
- Basic preventive care such as eye exams and vision tests
- Eyeglass lenses
- Contact lenses.
- Eyeglass frames.
- Lens protection for glasses (such as scratch-resistant coating)
Talk to the experts at Serra Benefits to find out what plan options you have.
The Benefits of Having Vision Insurance
Vision insurance is often an add-on to health insurance plans, and as a result, many people forego this type of coverage. However, there are several important reasons to consider having vision insurance.
Vision insurance, like any other form of exercise, encourages health. An Eye exam is considered preventative medicine and most, if not all, of the cost, is covered by insurance. Regular eye exams aid your eye doctor in detecting vision problems, changes inside the eye, and early symptoms of eye diseases such as glaucoma, cataracts, macular degeneration, and diabetic retinopathy.
Eye doctors can at times detect significant medical issues, such as high blood pressure, diabetes, some kinds of cancer, autoimmune diseases, thyroid problems, and high cholesterol during eye checkups. Early detection of these illnesses may help to lower healthcare expenditures.
Know your vision care requirements for the next year before purchasing vision insurance. Do you or members of your covered family require prescription eyeglasses or contact lenses, LASIK treatment, or eye exams? Examine the benefits of the plan to see what’s covered. It is possible that only eye checks are covered by basic plans, and discounts on prescription eyeglasses may be available.
A comprehensive sharp health plan can give basic protection and perhaps discounts on LASIK eye surgery and additional prescription glasses.
Vision Insurance Escondido – Serra Benefits & Insurance
Since 1997, Serra Benefits & Insurance Services has been helping individuals, families, and business owners all over California make informed decisions for their health coverage needs including Vision Insurance.
We utilize our experience to aid you with your vision health. We have a knowledgeable staff that goes through constant education and ongoing training in areas particular to our business. We can provide you with up-to-date, cutting-edge information on the ever-changing marketplace.
We incorporated the concept of “where service is everything” to emphasize that educating our clients, providing assistance, and providing exceptional service are all critical to their success. It’s the quality of service and going above and beyond that sets us apart from the competition. Our mission at Serra Benefits is to provide you with a dependable vision insurance coverage support system.
Thank you for considering Serra Benefits & Insurance Services as your go-to source for all of your vision insurance needs. We are confident that we can provide you with the best possible service and coverage at a price you can afford.
If you have any questions on policies or have additional questions before getting a free quote, please contact our offices today. We look forward to hearing from you soon!