What's covered by vision insurance

What vision services are really covered by your medical health insurance plan?

If your medical health insurance plan is your primary source of insurance for all aspects of your health, you might want to take a closer look at what it provides for the health of your eyes. Look closely, and chances are you'll see it's not much of anything.

Vision care, one of the items normally covered by group medical health insurance plans but rarely individual plans, often only provides the basics such as an annual eye exam. Beyond that, however, the cost for service comes from the pocket of the insured. This type of medical health insurance plan leaves a lot to be desired for vision care. If you require glasses, contacts, or more extensive vision services, the cost can quickly add up. And if you require cataract surgery or Lasik, be prepared for extensive out-of-pocket costs.

If you are one of the millions of Americans who are covered by this type of medical health insurance plan and often need vision care, vision insurance may be a good idea. Vision insurance or discount programs not only include the basics, but coverage for your more extensive needs as well. For the health of your eyes, it's worth your time to investigate the options.