Are you in need of an eye exam, contact lenses, or glasses? Insurance can be confusing, and with so many options on the table, many patients are unsure of which coverage they really need. Is vision insurance mandatory to see an eye doctor, and is it worth it? The experts at Washington, Missouri’s Comprehensive Eye Care share the details so you can make an informed decision about your vision coverage. 

Do I Need Vision Insurance to Visit an Eye Doctor?

No, it’s not mandatory to have vision insurance to visit an eye doctor; the only difference is the cost. Vision insurance requires paying a monthly premium in addition to your regular medical insurance. When you do visit the the eye doctor, you’ll only be required to pay a co-pay rather than the full price. Since eye exams are only needed annually, whether or not the monthly premium is worth it depends on individual needs. If you wear contact lenses or suffer from vision problems such as glaucoma, you’ll require more frequent visits and regular services than someone with 20/20 vision. 

What Does Vision Insurance Cover?

It covers the basics of ocular care, such as annual eye exams and reduced rates on contact lenses and glasses. Other services, however, are covered by your regular medical insurance. This includes accidents, surgery, and disease. If you don’t want to pay a monthly premium and would rather just spend a little more on your annual eye exam, don’t worry. Those major issues are already covered. 

How Much Does Vision Insurance Cost?

This depends if you obtain your insurance through an employer or an outside company. The average is $15 to $60 per month without employer assistance, and most plans offer similar coverage on services. To figure out if insurance is right for you, think about how much you’re going to use it and what you’re going to use it for. If you do pay for insurance, take advantage of it, especially when it comes to glasses and contact options, where you’ll notice significant savings. 

If you have questions about vision insurance, eye exams, or other ocular issues, the highly trained staff at Comprehensive Eye Care is always willing to help. No matter the issue, this eye doctor places your health as a top priority. Visit the clinic online for more information, or call (636) 390-3999 to schedule your appointment today!