All About Vision Insurance Plans and Benefits

All About Vision Insurance Plans and Benefits

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Vision insurance

What is vision insurance?

Vision insurance is a specific type of health and wellness plan that may typically cover the cost of an annual eye exam and make it affordable to get prescription eyewear, such as lenses, frames and/or contact lenses. Visual impairments can occur at any time, making vision insurance an important addition to your healthcare plan. Some of the basic health insurance plans may not offer vision care benefits. You can either opt for a comprehensive insurance plan, with vision care benefits, or choose a vision care add-on to your health insurance plan.

Why is Vision Insurance important?

As technology is advancing each day, more and more people are now switching to digital modes of communication, be it for work or leisure. Though it has made life easier and the world more accessible, it has also brought with it its fair share of cons. Medical professionals advise not to spend hours on your phone or computer to keep the eyes free from stress and strain. However, with a pandemic wreaking havoc and forcing people to stay indoors, browsing the net continuously or working on a laptop has almost become the new norm. Using the laptop or the mobile phone for hours on end can take a toll on your vision. Now, even if you are not tech-savvy, you must take proper care of your eyes, as regular eye check-ups can also easily detect illnesses, including diabetes and blindness. However, vision care can cost a lot if it comes to surgery and other treatments resulting from an emergency. To avoid incurring these costs from your own purse, opting for vision insurance or an eye insurance plan is necessary. A vision insurance or eye insurance cover will also help you stay prepared to face any emergency situation without monetary difficulties.

While a health insurance plan is a must, choosing vision insurance or an eye insurance plan is also a wise decision. This is even more necessary if you are a parent with kids, as most children nowadays use digital devices for studies or to play online games. You can select different types of eye insurance plans as per your requirement. If you are focused only on getting your regular eye checkup cost coverage or if you want your insurance plan to incur the costs of spectacle lenses and contact lenses, then a basic insurance plan would be more than enough. You can check out the Cigna Healthy Connect module that offers coverage for eye exams, lenses, and frames. With the easy process and benefits from the Cigna vision insurance plan, you can see things, whether near or far, in their full glory.

What should a vision insurance plan cover?

Vision insurance plans should typically cover the cost of an annual eye exam and prescription eyewear, such as eyeglasses and/or contact lenses. You can also opt for a comprehensive plan or cover that includes specialty options, such as eyeglass lens coatings and eyewear enhancements (progressive lenses, anti-reflective coating, etc.). A comprehensive vision insurance plan may also make it affordable to go for an elective vision correction surgery like LASIK or PRK. The vision insurance plan coverage will vary depending on the type of vision insurance policy you plan to purchase.

Who needs vision insurance?

Vision insurance or eye insurance is ideal for people of all ages, irrespective of whether they wear glasses or not. Eye insurance plans cover injuries and ailments to the eye and are also great for those who have a visual impairment or might need visual aids, such as prescription lenses, frames or contact lenses. Also, opting for a laser eye treatment to improve your vision can be a costly procedure as it requires multiple consultations and surgery conducted by an ophthalmologist. With the best vision insurance plan, you and your family can easily go for these treatments without undergoing monetary difficulties.

Protect your vision and eye health with the Cigna Healthy Connect Wellbeing Module

The Cigna Healthy Connect wellbeing module which comes with the vision insurance plan will cover the cost for the most common requirements related to eye care. However, this eye care insurance is an optional vision care insurance coverage, which you can opt to buy as per your needs.

To know more, check out the benefits of eye insurance plan from Cigna:

Routine eye examination

A routine eye examination means a visit to an eye specialist to get your vision checked or to update your contact lenses, and so on.

Your vision can get compromised for various reasons. However, the problem might not become vividly evident initially, resulting in the delay of your visit to an eye specialist. If you keep ignoring it, the situation can become grave later to such an extent that it might demand a major surgery. And, if you have no vision insurance coverage added to your health insurance plan, you might have to end up spending a lot of money. So, when you first start facing any issue related to your vision, you must immediately visit a specialist and get your treatment done. A vision insurance plan in such a situation can be a boon. Cigna’s vision insurance plan provides coverage for a routine eye examination, which can save you tons of money in the future.

Cigna’s eye care insurance plan includes a list of benefits that can drastically cut the costs revolving around your routine eye checkup. You can even maintain your style statement with a spectacle frame of your choice, as Cigna includes coverage for frames too.

Cigna Vision Insurance will cover the expenses for the following:

  • Routine eye exam
  • Spectacle lenses
  • Contact lenses
  • Spectacle frames
  • Prescription sunglasses

For more details regarding the Cigna Healthy Connect module, download our Cigna Healthguard brochure here.

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