Heres the hard truth: If you dont have health insurance, youre leaving yourself wide open to a money disaster. You know insurance is part of a solid financial plan, so youve made sure all your bases are covered with, Insurance Score: How Insurance Providers Use Your Credit Score. Without insurance then exams, frames, and lenses can cost hundreds of dollars. An estimated 76% of American adults need vision correction, but even if you have perfect vision, regular eye exams can play a vital role in your health. Tons of companies offerlong-term disability insuranceto their employees these days, so start there. Vision insurance plans often provide coverage for prescription sunglasses since they help correct your eyesight. Thats a smart move if youre healthy and have an emergency fund to cover your deductible. Before either skipping a treatment (thinking it will never qualify) or getting something done (while assuming its eligible), always check with your insurer to confirm the facts. For instance, the average eye exam costs around $152 without insurance. Ready to shop for car insurance? By signing up, I agree to GoodRx's Terms and Privacy Policy, and to receive marketing messages from GoodRx. Well, they dont always cover everything you need. By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. To figure out what other insurance coverage you mightactuallyneed, take our quickCoverage Checkup. Its important to weigh the benefits and find out your needs to make sure you are making the most of your dollars. Many plan options start as low as $13 per month. But Ramsey says these riders are generally expensive and most people would be better off investing or saving the money they'd spend on them. What Types of Homeowners Insurance Policies Are Available? Review your insurance policy to know exactly how you're covered. The plan might coverlenses for glasses, but only basic lenses. Ramsey is also right that many of the insurance riders aren't worth the cost, and it's important to get quotes. 4. Do you have the right insurance coverage? The reason for this is that term life policies are in effect just for a limited time, and no death benefit is paid if the policyholder doesn't pass while the coverage is in place. While you won't get . A real emergency fund should have about 3-6 months' worth of expenses, according to Dave Ramsey. During the process, make sure you are looking at a vision insurance plan and not a vision discount plan. Vision insurance does not cover elective surgeries such as Lasik. The worlds problems can be solved by the people who are already here, but unfortunately, those people are confused about money.