A clear line of sight into your health.
Why Get Vision Insurance?
If you've never worn glasses or contacts, you may not think you need annual eye exams. Routine vision care helps with more than eyesight challenges, though. It's an important way to check your health. Vision insurance allows you and your family to get affordable, preventative care.
Unfortunately, traditional medical insurance plans don't always provide vision insurance. Plans that are compliant with the Affordable Care Act must provide it for children, but often have no options for adults.
At Adroit Health Group, we provide access for individuals or families to life-changing vision insurance.
Many who already wear glasses use our vision insurance plans to get discounts on the features and frames they love. Others, especially those with diabetes, use routine care to prevent complications. Those who work with computers rely on annual check-ups to manage their eyestrain.
Finally, many get vision insurance because they want their sight to stay healthy and clear for years to come.
What Does Vision Insurance Include?
Vision insurance provides benefits for or covers costs for your eye care. These usually help pay for annual eye exams or products like contacts or glasses.
Depending on the type of plan you choose, vision insurance covers your visits to:
- Independent optical centers and national chain locations
You'll visit an ophthalmologist or optometrist for your eye exams. An ophthalmologist is a licensed medical physician. They can perform surgeries and specialize in eye diseases. These visits can be more expensive, but they're vital for those who have complex eye care needs.
An optometrist specializes in eye care, but they're not a medical doctor. Often, visits to an optometrist are much more affordable. You may even be able to visit them in larger retail chain locations.
If you have a vision insurance plan, you don't have to stress about budgeting for these visits. Depending on the plan you choose, it may completely cover exam costs or come with a small copay. Other more affordable vision insurance plans may provide a pre-determined cash benefit when you visit.
Once you have your eye exam, vision insurance can help you cover costs related to:
- Prescription glasses
- Contact lenses
- Upgrades like lens coatings and enhancements
Again, depending on the plan you choose, you may receive cash benefits when purchasing these or deep discounts on them. Some plans also offer discounted rates for LASIK and PRK procedures.
At Adroit Health Group, it's important that you understand your options. Our vision insurance plans are underwritten by Renaissance. Give our team a call at 1 (800) 269-3563 or send us an email to learn more about what coverage options you have.
Is vision covered under medical insurance?
Even if you have traditional medical insurance through your work, you may not have vision insurance benefits.
Under the Affordable Care Act (or ACA), qualified health plans must offer pediatric vision coverage. This covers an annual eye exam and some benefits, like glasses. Most of these plans don't have adult coverage, though.
Medical insurance typically covers major eye-related diseases like:
- Diabetic retinopathy
- Age-related macular degeneration
They usually do not cover costs for adults related to:
- Annual eye exams
- Lenses or frames
- Mild eye diseases
All of this depends on the plan you have. And, if you're in-between jobs or self-employed, you may have a supplemental health insurance plan. These generally don't cover eye care costs either.
Why Is Vision Insurance Important?
Vision insurance provides affordable, reliable access to annual eye exams. When an eye specialist performs an exam, they're not just looking at your eyes. They're getting a picture into your health.
During these exams, they do more than ask you to read letters off a chart. They're also checking for:
- Myopia, or near-sightedness
- Astigmatism, or distorted vision
- Hyperopia, or far-sightedness
- Amblyopia, or "lazy eyes" that can be common in childhood
- Strabismus, or "crossed eyes" that can be common in childhood
- Presbyopia, or the inability to focus on nearby objects that's common with aging
- Macular degeneration, or blurred central vision that's common with aging
Your ophthalmologist or optometrist also:
- Suggests treatment approaches for any eyesight issues
- Monitors changes in your eyes over time
- Advises on ways to reduce eye strain and headaches if you work with computers
- Screens for glaucoma with an eye pressure test
- Checks for color blindness or other issues
- Treats infections like conjunctivitis (known as pink eye)
- Looks for signs of other serious medical conditions, like cataracts, diabetes, and cancer
Some vision issues can lead to more severe eyesight problems or even blindness if left untreated. Amblyopia, for example, often has a simple treatment approach: wearing a patch so the condition corrects itself. Without this, though, the condition could lead to blindness.
Another condition that can lead to blindness is becoming a public health issue: diabetic retinopathy.
Diabetic eye diseases
According to the CDC, more than 30 million U.S. adults now live with diabetes. Another 84 million have prediabetes. Diabetes affects the way your body processes blood sugar. This often results in too much sugar in the blood and can have a host of harmful effects on your body.
If you're suffering from diabetes, you may have increased risks for cataracts (clouding in the eye's lens) and glaucoma (damage to the optic nerve). Diabetic retinopathy and its advanced form diabetic macular edema are also serious concerns.
Diabetic retinopathy occurs when chronically high levels of blood sugar damage the blood vessels in your retina (the tissue at the back of your eyes). This can lead to bleeding or leaking fluids. This condition is the leading cause of vision impairment and blindness in working-age adults states the National Eye Institute.
Usually, you won't notice this damage until vision loss occurs. The National Eye Institute notes that 40-45% of people with diabetes in the U.S. have some stage of diabetic retinopathy. Only half of them know it.
Comprehensive eye exams are the single most important thing you can do. With early detection and treatment, you can protect yourself from future vision loss.
Computer vision syndrome
Today, many people also suffer from eyestrain from prolonged screen time. If you work in an office, you may be spending seven hours or more a day on the computer.
The more time you look at screens, the more likely you are to experience:
- Eye strain
- Blurred vision
- Dry eyes
- Neck and shoulder pain, especially with a poor ergonomic set-up
Many of these symptoms are temporary. Yet, some people will continue experiencing eyesight changes after stopping work. Again, a comprehensive eye exam can help. Your ophthalmologist or optometrist will test your eyes and talk to you about your symptoms.
They can also suggest treatment approaches, including:
- Eye drops
- Special glass or contact lenses made for computer use
- Vision therapy to train your eyes
- Ergonomic changes in your office
Together, these changes can mean fewer headaches and more focus during your workday.
Vision insurance for seniors
Vision issues increase significantly as we age. The American Foundation for the Blind reports that in the U.S.:
- When compared to people 18 to 44 years of age, people who are 65-74 years of age are more than twice as likely to report vision loss. Those 75 and older are three times as likely.
- 12% of people ages 65-74 have vision loss and 15% of those 75 and older.
- Vision loss rates will likely double by 2030 due to the country's aging population.
The leading eye diseases affecting seniors include:
- Age-related macular degeneration
- Diabetic retinopathy
As noted, early detection and treatmentares key. Severe eye issues aren't just an affect of getting older. Routine and comprehensive eye exams can help you avoid many issues.
Do I Need Vision Insurance?
Many people have access to traditional medical insurance, but these plans don't always come with dental and vision insurance options. Especially for adults. Because of that, they're missing out on an important preventative tool.
Annual eye exams are important for everyone, but those who benefit the most include:
- Those who work with computers
- Individuals with diabetes
- Those who already wear glasses or contacts
Vision insurance plans are also usually very affordable. Some may be less than $10 a month. The type of coverage you choose, where you live, and more will all affect the cost of your monthly or annual premiums.
With Adroit's vision insurance plans, you can choose the coverage you need, for the budget you have. We work with Renaissance, which gives us access to one of the largest vision networks nationwide.
We also offer affordable dental plans. Since most traditional insurance plans lack both of these, you can get your vision and dental insurance in one place.
How We’re Different At Adroit Health Group
At Adroit Health Group, we provide some of the best vision insurance plans for those who are:
- Out of work
- In between jobs
- In college
- Unable to get vision insurance from their other insurance plans
- Priced out of vision insurance in other plans
Our vision insurance plans are affordable. It's easy to choose the level of care and coverage you and your family needs. Often, our plans can begin the very next day. That means you get access to the preventative care you need, immediately.
At Adroit Health Group, we're committed to helping families get the care they need. With preventative care, you can avoid vision issues and treat those that occur. You can also get discounts on the prescription eye care you need. Access to that care is important.
The information on this page is only the beginning of how we can help. Call our team today to learn more.