Skip to main content

logo

Northeast Mall Request an Appointment Online

Presidio Towne Crossing Request an Appointment Online

Home » Insurance » Questions & Answers About Vision Insurance

Questions & Answers About Vision Insurance

How and Where Does One Obtain Vision Insurance?

Individuals can buy a vision benefit plan. Vision insurance plans may be available through your place of employment, school district or through social plans like Medicare or Medicaid.

Indemnity health insurance is traditional insurance, which allows policyholders to access medical providers of their choice. Vision insurance is often a value-added benefit included in indemnity health insurance plans, health maintenance organization (HMO) plans and plans offered by preferred provider organizations (PPOs).

An HMO health plan requires its members to access health care only from HMO providers. HMOs provide health care services to plan members at discounted rates. HMOs include a range of health care professionals – doctors, laboratories and hospitals.

A PPO is a network of health care professionals who provide health care services to membership at discounted rates. Plan members may use out-of-network providers, but they usually will pay more for the services rendered.

What Types of Vision Insurance Plans Are Available?

Vision insurance comes in two forms, a discount vision plan or a vision benefits package.

Discount Vision Plan – Eye care at fixed discounted rates after an annual premium or membership fee and a deductible are paid.

Vision Benefits Package – Usually, a vision benefits package requires an annual premium or membership fee, a yearly deductible for each enrolled member and a co-pay each time a member accesses a service.

Discount vision plans and vision benefits packages are custom-designed to meet the different requirements of a wide range of customers, such as unions, big, mid- size and small companies and school districts.

What is included in vision insurance?

Standard Vision insurance usually includes the following services and products:

  • LASIK and PRK vision correction at discounted rates
  • Annual eye examinations
  • Contact lenses
  • Eyeglass frames
  • Eyeglass lenses

 

Usually, services acquired from network providers are more affordable than services from out-of-network providers.

Are there payment options?

If group vision insurance is available from your employer, you pay for it through payroll deductions or flexible spending accounts.

An flexible spending account, sometimes referred to as a cafeteria plan, allows an employee to use pre-tax dollars to purchase selected health benefits such as vision insurance. This plan saves your money because you receive the full benefit of income that has been set aside for health costs, making it not subject to or reduced by taxation.

If you are self -employed or if your employer does not offer vision insurance then you can expect to be billed monthly or annually.

COVID-19 Update

Your health and well-being is our top priority at Focusing on Eye Care. In following recommendations provided by the CDC, we have implemented protocols at our office in order to continue to protect the health of our patients and our team.

Every patient and staff member will be screened for COVID-19 risk factors and have their temperature checked. This applies to all patients and their accompanying guests. Should you or a guest have a temperature indicating a fever or have other risk factors for COVID-19 you will be asked to reschedule your appointment for a later date until you are well or clear of any potential illness for a minimum of 14 days.

As we continue to practice social distancing, we ask that patients please come to their appointment unaccompanied. If you are requiring a guest to accompany you, we are limiting the number of guests in our facilities to 1 per patient, and we ask that you only bring a guest with you if it is absolutely necessary.

In addition, we are asking all employees, patients and their guests to wear face coverings while in our facilities at all times.

Thank you for all your cooperation as we continue to help you with your eye care needs and for helping us reduce the spread of COVID-19.

Stay Well,

Focusing on Eye Care