A quality health insurance plan is often cited as the most valuable benefit you can offer to your employees. But what happens if that healthcare plan doesn’t cover absolutely every service they want or need? Most employees appreciate the opportunity to choose from a menu of add-on benefits, to help close any gaps in coverage.
Since health insurance plans rarely cover eye exams, glasses, or contact lenses for adults, optional vision insurance can add value to your group health benefits plan. You can establish the plan as an add-on option, at no extra cost to you, while still allowing your employees to access a vision care plan at a desirable group rate.
The value of vision insurance. Health insurance plans do offer eye exams for minors under age 19, but this coverage doesn’t apply to your employee, their spouse, or children over age 19 who have decided to stay on their parents’ insurance plan. A vision care plan can close this gap, and make annual eye exams, glasses, and contact lenses more affordable for the family.
Eye exams are necessary for everyone. It is commonly believed that some people have eye troubles, while the rest of us don’t, and that this situation becomes permanent at some point during late childhood or early adulthood. That actually isn’t true! Adults can develop vision problems, particularly far sightedness or astigmatism, at any time. In fact, this is becoming more common as we all spend more time in front of computer and phone screens. Other eye health problems can develop over time, too, and affect anyone.
Added “insurance” for health. As for those other health problems, conditions like glaucoma and macular degeneration can impact adults regardless of a lifetime of perfect vision. Therefore, we all need to attend regular vision screenings, particularly as we get older, so that we can seek early treatment. And believe it or not, optometrists and ophthalmologists are often the first to notice signs of health conditions such as diabetes, high cholesterol, high blood pressure, and even brain tumors. Attending annual vision screenings is yet another way to detect potential health problems early.
Safety matters. Since vision impacts workplace safety, offering optional vision insurance to your employees can benefit you, too. Fewer workplace accidents means greater productivity and possibly even savings on various liabilities.
To learn more about vision insurance, give us a call. We will discuss how you can add this valuable benefit to your menu of options, at a great rate for your employees.