Who needs vision insurance
Because eye exams can detect hidden medical problems, even those with perfect vision shouldn’t skip them. As you age, you’ll need more frequent vision exams, according to the Mayo Clinic.
|Recommended eye exam frequency for adults
|Source: Mayo Clinic
||Every five to 10 years
||Every two to four years
||Every one to three years
||Every one to two years
People with poor vision, a family history of eye disease or a condition that increases the risk of eye disease, such as diabetes, should have more frequent exams.
If routine exams are all you need, the cost of insurance might not be worth it. Take a look at the cost for one year of vision insurance compared with the cost of an eye exam. This is a hypothetical look at a year’s worth of preventive care only, assuming your insurance pays 100% for vision exams, as many do.
If you don’t need glasses or other corrective treatment, you can pay out of pocket when that routine exam is due and avoid paying for vision insurance. If you do need corrective lenses in addition to preventive care, you’re probably better off with the insurance.
Lacie Glover is a staff writer at NerdWallet, a personal finance website.