Often, when I provide onboarding presentations, the only questions I get, if I get any questions at all, are regarding health insurance. But what about vision? People often overlook this benefit and even deem it unnecessary, but it can play a crucial role in maintaining overall health and financial well-being.
The Importance of Vision Health
First off, I know. It sucks that we have to pay to see, while others with good eyesight get to see for free. But even if you have good eyesight, you should still make sure your health insurance covers a yearly eye exam to stay up-to-date on your vision health.
If you do struggle to see, remember that your vision impacts nearly every aspect of daily life. This can affect you whether you are a laborer or work in front of a computer. This can affect your driving, reading, and even learning. This is why, if you find yourself struggling with your eyesight, vision coverage is important to have.
With vision coverage, you will get a routine eye exam 100% covered or at a very big discount compared to the out-of-pocket cost of $75 to $250. Keeping up with routine eye exams not only provides updated prescriptions, but it also detects serious health conditions such as diabetes, high blood pressure, and even certain types of cancer.
What Do Vision Benefits Typically Cover?
Most employer-sponsored vision plans cover a range of essential services, including:
- Routine Eye Exams – Usually covered once a year or every two years, depending on the plan.
- Prescription Eyewear – This can include eyeglasses, contact lenses, or lens enhancements like anti-glare coatings and blue light protection.
- Discounts on LASIK or PRK Surgery – Some plans offer discounts on corrective eye surgery, making it a more affordable option for those looking to ditch glasses and contacts altogether.
Who Needs Vision Coverage the Most?
Everyone can benefit from routine eye care, but if you have good eyesight, you do not necessarily need a separate vision benefit since most health insurance covers yearly exams. That being said, some groups may find having vision coverage more beneficial:
- People who work on computers – Digital eye strain is a growing issue, and specialized lenses can help reduce fatigue. You can get blue light glasses almost anywhere, but one that specifically works with your prescription is especially beneficial.
- Children – Vision problems can affect learning and development, so children need to start screenings early and continue to have them regularly.
- Older adults – Age-related conditions like glaucoma, cataracts, and macular degeneration become more common with age.
Maximizing Your Vision Benefits
To get the most out of your vision plan, keep these tips in mind:
- Schedule Regular Exams – Don’t wait until you notice problems to see an eye doctor. Preventative care is key.
- Use Your Allowances – Many plans offer annual frame or contact lens allowances. Take advantage of these to update your prescription or style.
- Check for Additional Perks – Some vision plans include discounts on sunglasses, blue light filtering lenses, or even cosmetic procedures.
- Shop Around – There are many affordable glasses and contacts websites where you can save even more, plus use insurance. You do not have to just go with what your doctor provides.
- Use HSA/FSA Funds – In my previous post, I discussed the HSA and FSA spending accounts. These are great to have tax-free money saved up for vision expenses like medications, glasses, and contacts.
Final Thoughts
Taking care of your eyes is just as important as any other aspect of your health. Whether your employer provides vision benefits or you’re considering a standalone plan, investing in eye care today can save you money and potential health issues in the future. Don’t let your vision be an afterthought—prioritize it just like you would your annual physical!
Do you have vision coverage? If not, it may be time to explore your options and see how you can protect your eyesight and your budget.
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