Why It Makes Sense to Purchase Individual Vision Insurance ...

If you were to ask people what disability they fear the most, chances are that ?losing vision? will top the list. Not to be macabre or morbid, but your vision is easily the most important of all your senses. As human beings, we rely on it excessively to know about our surroundings. While a dog can?t even see colors, it can know everything it needs to know through its superior sense of smell. For humans, their eyesight has to suffice. After all, we aren?t blessed with exceptional hearing or sense of smell.

Unfortunately, going by the number of people wearing glasses or lenses, it appears that most of us aren?t doing a good enough job of protecting our eyes. Blame it on our modern lifestyle that involves spending hours before computer and TV screens, but more and more people are falling victim to poor eye-sight.

As anyone who has bought a pair of glasses or had his eyes checked will tell you, taking care of your eyes can be an expensive affair! A simple pair of glasses can set you back by a good hundred dollars or more, especially if you like to buy frames that don?t look like they belonged to your grandmother. The same with contact lenses, which can be ridiculously expensive.

Regular eye exams aren?t cheap either ? each can set you back by a few hundred dollars. Even the best permanent solution for vision problems ? LASIK surgery ? can cost tens of thousands of dollars.

So how does one really pay for all these expenses? Simple ? through individual vision insurance!

Individual vision insurance is basically a special add-on to your current insurance policy that is designed specifically to care for the eyes. An individual vision insurance plan usually covers everything from regular eye exams to paying the optician?s fees, including glasses, frames and lenses.

For people with poor eyesight, it is a no-brainer: vision insurance can shave off hundreds of dollars from your annual eye care bills. For people with good eyesight but who spend hours before a computer or have a history of poor eye sight in the family, it makes sense to be prepared and purchase vision insurance in advance.

If you get your insurance through your employer, you can easily get it added to your existing plan for just a few dollars per month (usually around $15-20 per month). You can also get a group plan if there are multiple people in your family with vision problems. This is a ridiculously low price to pay for the tons of benefits.

In case you want to get surgery done, most vision insurance plans also provide coverage for a significant cost of the procedure (anything from 40-80% of the total costs).

Your eyes are precious ? protecting them is something you don?t want to take a chance with. While it can be very expensive to take care of your eyes, with individual vision insurance, you can save hundreds of dollars every year.

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