Many Americans assume that vision health insurance is a standard component of a good health insurance plan (just as many assume that dental health coverage is typically included). In some cases, this may be true, but it is not always so. Never buy a health insurance policy until you check your potential coverage (and exclusions from coverage) thoroughly. You may not have vision insurance because you carry medical insurance. And the reverse is also true: dental and vision care insurance do not automatically translate to medical insurance.
Some American companies do offer their employees vision coverage through work. However, it is important to remember that every plan is different. One plan might offer medical insurance but no vision or dental care. Another may have an all-in-one package that covers all three. You may even be offered three choices, with the freedom to select any combination that works for you.
Generally speaking, there are two types of vision insurance — basic and advanced. Under basic coverage, workers are able to have their eyes examined and to receive one pair of glasses/contact sets every year. Laser surgery and glaucoma treatments require advanced vision plans. Vision insurance allows you to take care of your eyes as you develop any problems — and, in many instances, pays off even before you do.
Always check inclusions and exclusions for any insurance package that may be offered to you at work. Some policies have components you do not need and may never use, and you can decline to enroll in them if your employer lets you choose what coverage to combine. Alternatively, you may wish to opt in for vision coverage and dental coverage to get proactive, regular checkups to prevent any serious problems. As with most types of insurance policies, there are many options available. The most important thing you can do for yourself is to know precisely what you need, how much you can pay and what other extra coverage you may need for other health issues.