Your vision is an integral part of going about your daily life and performing routine tasks. Given the crucial role that your optical health plays in overall wellness and lifestyle, it’s essential to take steps to ensure you have the means to maintain it. An adequate vision insurance policy can help you access a variety of optical medical services and treatments.
How Does Vision Insurance Work?
Vision insurance can be purchased by an individual as its own policy or acquired through an employer’s group benefits program. By purchasing and maintaining your vision coverage, you may be able to access critical financial assistance when seeking various optical health services that may not be included in your general health insurance. 
What Is Covered by Vision Insurance?
Like most types of insurance, the details and capabilities of vision insurance vary from policy to policy. Depending on your coverage needs and budget, your plan may include financial assistance for the following:
- Visions tests
- Eye exams
- Lenses
- Frames
- Contacts
- Prescription sunglasses
- Eyeglasses enhancements (e.g., scratch-resistant coating, UV protection)
- Retinal screening
- Corrective vision surgery (e.g., LASIK)
Who Needs Vision Insurance?
Everyone should strongly consider acquiring and maintaining adequate vision insurance. Even if you generally have good optical health, certain conditions and accidents may occur unexpectedly. The services covered through your vision insurance may help detect optical health issues, such as glaucoma, cataracts and macular degeneration. Without this type of coverage, you may lack the resources to respond to potentially dire health concerns.
While vision insurance can be an invaluable investment for everyone, it may be of particular importance for the following people to maintain coverage:
- Families with children
- People who wear glasses or contacts
- Individuals with a family history of eye conditions
In addition to helping maintain your optical health, vision insurance can also help medical professionals detect various conditions not directly related to your eyes, such as the following:
- High blood pressure
- Diabetes
- Cancer
- Autoimmune diseases
- Thyroid problems
- High cholesterol
Get the Right Coverage
The agents at Wimmer Insurance Services have the expertise and experience to help individuals and families in the Detroit Lakes, Moorhead and Fargo areas assess and address their vision insurance needs. We will work with you to explore the coverage options available to you and build a personalized policy to ensure you have access to essential optical health services.
Visit our website or call 218-847-5703 to learn more.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.