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Vision insurance can be extremely helpful in the event you or anyone within your family has vision problems. Your coverage needs to include no less than a percentage of the price of your eye exams together with a part of the cost of the corrective devices you acquire. You don’t have to carry vision insurance, so choosing not to obtain a policy may save some people money. Choosing catastrophic coverage can provide big savings on health care insurance costs. Catastrophic coverage only covers major medical expenses, like hospitalization and emergency surgeries compared, comprehensive covers that, plus most minor health care related costs like physicals and prescriptions. Whatever, you may cut costs by purchasing generics over brand name drugs. Only in rare cases do you want to not be able to receive generics, and multiple research has shown that there is not any difference from the drugs apart from their brand. 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