Accord­ing to Web­MD, the eyes are the most high­ly devel­oped sen­so­ry organs in your body. They report that more of your brain is ded­i­cat­ed to the sense of sight than to all of the oth­er sens­es com­bined. So, it makes sense that you would do all that you can to pro­tect and care for these impor­tant organs. Vision insur­ance can be a great asset as you work keep your eyes healthy.

What is vision insurance?

Vision insur­ance is an insur­ance prod­uct used to reduce the costs of eye-relat­ed care, eye prod­ucts, and eye surg­eries. Group vision plans are typ­i­cal­ly pur­chased through employ­ers, asso­ci­a­tions, or gov­ern­ment pro­grams like Medicare or Med­ic­aid.  Some­times, vision plans are part of a val­ue-added ben­e­fit that is linked to the subscriber’s health insur­ance. Plan sub­scribers usu­al­ly receive free eye care, like annu­al eye exams, and a fixed dis­count on eye wear in exchange for a month­ly pre­mi­um. This type of cov­er­age is rec­om­mend­ed for peo­ple who need vision cor­rec­tion devices, who have a fam­i­ly his­to­ry of eye issues, or for those who have a high­er risk of eye dis­ease, like diabetics.

What is a vision dis­count program?

Dif­fer­ent from vision insur­ance, a vision dis­count pro­gram gives users dis­counts on eye exam ser­vices and prod­ucts. The month­ly pre­mi­um is low­er for dis­count pro­grams but does not gen­er­al­ly include free annu­al eye exams like vision insur­ance does. When the user buys into the dis­count pro­gram, they become a mem­ber of a large group for whom the pro­gram admin­is­tra­tors have nego­ti­at­ed low­er costs. Dis­count pro­grams are most use­ful for those with­out pre-exist­ing eye conditions.

What are the ben­e­fits of hav­ing vision coverage?

As men­tioned before, your eyes are the most com­plex sen­so­ry organ in your body. Because of this, they are impor­tant to keep healthy and in good work­ing con­di­tion. Vision cov­er­age allows the user to have annu­al eye exams. At these exams, the optometrist deter­mines if you need cor­rec­tive lens­es to improve your eye­sight by means of glass­es or con­tact lens­es. The doc­tor will also check for eye dis­eases. Exams can even detect hid­den med­ical con­di­tions like brain tumors, rheuma­toid arthri­tis, high blood pres­sure, or thy­roid dis­ease. If a med­ical con­di­tion is detect­ed, the optometrist will refer the patient to a med­ical doc­tor for fur­ther tests and treatment.

Vision insur­ance and dis­count pro­grams play a huge part in keep­ing your eyes healthy. Through reg­u­lar eye exams, not only are your eyes eval­u­at­ed, but the health of the rest of your body is, too. By sched­ul­ing eye exams, you are also able to obtain cor­rec­tive eye wear that allow you to see clear­er and with­out eye strain. Healthy vision is a ben­e­fit you don’t want to lose!