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Vision Insurance

Annual eye exams, glasses, and contacts? No problem.  You had the foresight to see the right plan.

Regular eye exams and properly designed glasses or contacts are necessary for your safety and quality of life. And, let’s face it…new glasses or contacts can also boost your style and confidence, too.  Unfortunately, Medicare and most individual insurance plans don’t adequately cover vision care.  Make sure you have a plan that does.

Why You Need Vision Insurance

Eye strain, eye pain, headaches, balance issues, and falls are all complications of missing or poorly-prescribed eyewear.  If you wear glasses or contacts, you know that regular wear and tear can damage eyewear over time; and, each year, our vision needs may change.  That is why it is important to receive regular eye exams and new eyewear every year.  


Facts & Figures

  • Only half of the estimated 61 million adults in the United States classified as being at high risk for serious vision loss, visited an eye doctor in the past 12 months.¹
  • 1,600,000 Americans aged 50 years and older have age related macular degeneration¹
  • 5.3 million people aged 18 years and older have diabetic retinopathy
  • 20.5 million people have cataract (about 16%) among Americans aged 40 years and older.¹
  • 2.2 million people have glaucoma (about2% ) among Americans aged 40 years and older.¹

Data from a national survey suggest that an estimated 60 million American adults are at high risk of vision loss…Of those adults, one in 12 cannot afford eyeglasses when needed, and about one-half do not get dilated eye examinations on a yearly basis.”²

How Vision Insurance Works

Vision insurance  can protect you get the eyewear

Vision insurance provides you with an annual allcovers all or a portion of the cost for new glasses, contacts, or both pays you a lump sum if you are diagnosed with a critical illness.  You may use this money for anything you want.  Most people use the cash to cover living expenses and out-of-pocket medical costs.  Others may use their payout to make home modifications, pay down debt, or enjoy a well-deserved vacation.  Unlike health insurance, the cash is paid directly to you; and, unlike disability insurance, your money is paid to you all at once.

It is important to note that Critical illness insurance does not replace major medical insurance.  However, it can provide needed cash if you do not have health insurance or if your primary health coverage requires you to pay a high deductible.  Under some critical illness plans, spouses or dependent family members may be covered under one policy.

You decide how much you receive.  Just like life insurance, you choose the amount of the payout at the time when you enroll in a critical illness plan.  You may select an amount as low as $5000.00 or as high as $100,000.00.  Under most plans a heart attack, stroke, or cancer diagnosis is considered a critical illness.  Some plans may cover only one of these illnesses.  Other plan options may include coverage for all three. Certain plans include provide a full or partial payout for additional illnesses such as:
  • Loss of hearing, speech, or vision
  • Major organ transplant
  • Paralysis
  • Coma
  • Renal Failure
  • Alzheimer’s Disease

When You Should get Critical Illness Insurance

Ideally, before you are critically ill.  Most insurers will not cover an illness if it is diagnosed within 30 days of enrolling in a plan.  In addition, while some insurance companies will issue coverage to people in the 60’s, 70’s, 80’s, and even in their 90’s, most insurers will offer higher premiums and limit coverage or benefits for those who are older.  Therefore, initiating coverage sooner is better.

When determining whether critical illness insurance is right for you, each person should take into consideration their own risk factors such as age, health, lifestyle, and family history of illness.

Ready to discover the right plan for you?

¹Source:  Centers for Disease Control and Prevention. Vision Health Initiative (VHI) National Data

²Source: The Journal of American Medicine Association Journals. Archives of Ophthalmology. 2007;125:300-305 and 333-339. 

³Source: http://www.cnn.com/2009/HEALTH/06/05/bankruptcy.medical.bills/

The information on this page in intended for general knowledge purposes.  It does not provide a complete description of all the costs, benefits, and limitations for all critical illness insurance plans available.  Not all applicants may qualify for coverage.  Please consult your carrier policy for all terms and conditions.

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