Many people consider health insurance the primary coverage option, along with dental and life insurance. However, they may wonder whether they need vision insurance, especially if they are not yet having vision problems. But vision benefits provide for more than just eye exams. Consider three important reasons why you should have vision insurance.
1. Vision wellness – Like a regular fitness program, vision insurance promotes good health. Eye exams are considered preventive care and plans typically cover most, if not all, of the exam cost. Scheduling regular exams helps your eye doctor identify vision correction needs, changes inside the eye and early stages of eye diseases, such as glaucoma, cataracts, macular degeneration and diabetic retinopathy.
2. Overall health – During an eye exam, doctors often detect serious medical problems, such as high blood pressure, diabetes, some cancers, autoimmune diseases, thyroid issues and high cholesterol. Catching these illnesses at an early stage may reduce medical treatment costs.
3. Cost savings – Before enrolling in vision insurance, know your vision care needs for the next 12 months. Do you or your covered dependents need prescription eyeglasses or contacts, LASIK surgery or eye exams? Check the plan benefits to understand the coverage. Basic plans may cover only eye exams and offer discounts on prescription eyewear. Comprehensive vision plans can provide basic coverage plus offer discounts toward LASIK vision correction and extra prescription glasses.
Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.
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