Is Vision Insurance Like Regular Health Insurance In That You May Not Be Covered If You Already Have Glasses?
December 25, 2009 by admin
Filed under FAQ on advance for astigmatism
It’s hard to get health insurance if you have an existing problem. Is it also hard to get vision insurance like this?
I have never had vision insurance, but hope to get it soon. I am nearsighted in one eye and have astigmatism in the other, which are pretty common problems; but, even common problems make normal insurance difficult!
no.
vision insurance just spreads the cost of an annual eye exam and glasses/contacts out over the course of a years premiums. thats it. it doesnt matter whats wrong with your eyes. they wont even ask you whats wrong with your eyes when you apply. it doesnt matter.
so the answer is no…you cannot be “denied” a vision plan for a pre-existing vision problem. not that i’ve ever heard of anyway
“Vision insurance” is a misnomer. It’s not true insurance, like health insurance; it’s really a vision benefits plan. Typically it gets you discounts and other defined benefits. See http://www.allaboutvision.com/vision-ins…
No thats why you would need vision insurance.
Might I recommend skipping vision insurance. With less money, you can buy yourself an eye exam and then buy your eyeglasses online for well under $100 (often as low as $25). I blog about the emerging online eyeglasses market, and it is worth investigating. See the link below for my blog.