El Paso TX vision insurance is a whole lot cheaper than many people think. Sadly, many people simply go without their glasses or contacts because people think they can not afford them. Contrary to popular belief, vision insurance is a lot more accessible, even to those who are considered to be low-income.
With Golden Plan Choice, we can help you get a vision plan that works for you. Your vision is no less important than the rest of you. It is still considered part of your health, and without the proper care, you could be damaging your vision. Give Golden Plan Choice a call today, and ask us how we can help you get affordable El Paso TX vision insurance.
El Paso TX Vision Insurance
Vision insurance is a type of health insurance that helps cover the costs of eye exams, glasses, and contact lenses. It can be purchased as a particular standalone policy or as part of a broader health insurance plan.
Why should you get vision insurance? Your eye health is just as important as any other part of your health. You may not need glasses right now. That doesn’t mean you won’t need them later. As our bodies age, things tend to not work like they used to. You might even notice that your vision gets a little blurrier as you get older.
With vision insurance, you will be able to pay for regular checks ups that help you prepare if your vision delines. Regular checks can also help detect diseases such as cancer or Macular Degeneration. It is no different than visiting a regular doctor yearly. Just because you don’t feel sick doesn’t mean you shouldn’t have a yearly checkup.
Because vision insurance is relatively affordable, most people don’t have a problem paying to maintain their eye health. This could be anywhere from glasses and contacts to laser-eye correction, depending on what the issue is.
Whether you need glasses all the time or simply just at night to drive, vision insurance can cover the cost of your exams, prescription lenses, and so much more.
Two Types of Vision Plans And What Is Covered
Typically, there are two types of vision insurance. The first is what is known as an optional rider plan. Policyholders can choose to add this benefit to their regular health plan for an extra premium. Beneficiaries will have a fixed amount for services, and each plan has limitations for each service.
The second type is known as an ancillary plan. This plan offers a pre-determined discount on vision-related expenses. This typically is the more affordable option for most people. The premiums can range from about $70 to about $150 a year, depending on the needs of the policyholder.
While plans can vary, there are a few things that the majority of plans will cover. For instance, most plans will cover yearly eye exams, eyeglass frames, lenses, and contact lenses. Some plans may also offer a discount on surgeries such as laser corrective eye surgery.
Laser Eye Surgery
Laser eye surgery is a type of refractive surgery that uses a laser to correct vision. It is a safe and effective way to improve your vision. Laser eye surgery is used to treat a variety of conditions, including myopia (nearsightedness), hyperopia (farsightedness), and astigmatism.
During laser eye surgery, the surgeon uses a laser to reshape the cornea, the front layer of the eye. This can improve your vision by reducing the amount of glare and distortion you see.
Laser eye surgery is a popular and effective way to correct vision problems. Many people have undergone this type of surgery with great success. However, like any surgery, there are risks and potential side effects associated with the procedure. Be sure to consider all your options before undergoing laser eye surgery.
You will want to talk to your doctor if this treatment is right for you and if there are better-suited alternatives. Some of the potential risks and side effects could include dry eyes, decreased night vision, and halos around lights. Additionally, laser eye surgery is a permanent procedure, so it is important to be sure that you are ready to make this commitment before undergoing surgery.
Vision insurance is not without its limitations. For example, insurance will pay for basic lenses. However, most plans won’t cover extra features such as anti-glare lenses, and some won’t cover lightweight lenses.
Most plans will only cover up to a certain amount for frames and lenses. Most vision centers have a specific selection of frames that will fall under the pre-approved amount people can choose from.
Some plans can cover glasses, or they can cover contacts, but not always both. Furthermore, some plans will only cover one pair of glasses or contacts once every twelve or twenty-four months. This means that if something happens to your glasses or contacts, you may have to pay out of pocket for a replacement.
Many plans also have a waiting period. This waiting period could be anywhere from 30 days to 36 months. This is to deter people who wait until they have a costly problem to get insurance.
Golden Plan Choice Can Help You
Golden Plan Choice is a great option for those who need vision insurance. When you call us, we will be more than happy to go over all the details of your vision plan. We can break down exactly what is covered and what your particular limitations are. If you have any questions about your vision plan, please do not hesitate to ask us. We have been helping the El Paso, Texas area for years, and we would love for you to join our Golden Plan Choice family.
Fun Facts about El Paso:
- It is on the Western edge of Texas.
- El Paso is near the Rio Grande.
- Its size is over 200 square miles.