Presbyopia correction

I have such good eyesight that I've never worn glasses in my life, but after about three months of a day and night changing lifestyle, I started reading web novels with the lights off at night, and since then I've experienced a symptom where the text on my phone appears blurry... Is this presbyopia? I need to see an ophthalmologist, but I'm scared and keep delaying it...

I have an old health insurance policy... These days, I've heard it's difficult to get coverage for presbyopia correction costs, and I'm really 고민이 많네요.