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We have implemented new Safe Practices to adhere to the CDC and American Optometric Association recommendations. We look forward to serving you and keeping you and our staff healthy and safe. Please familiarize yourself with the following before your next appointment:

1. Please text or call us from your car when you arrive for your appointment and wait for further instructions.
2. Face masks will be required while at our office and we will NOT be providing them
3. Temperatures will be taken before entering the office
4. Everyone will be required to wash their hands or use hand sanitizer upon entering
5. All patients will be asked about their health status
6. We ask that patients come to their appointment unaccompanied, so there will be fewer people in the office
7. Patients who need caregivers or minors may be accompanied by one person
8. Social distancing around the office will be observed as much as practically possible
9. Pens will be used once and then disinfected
10. Doctor schedules have been lightened to decrease patient flow throughout the office
11. Increased cleaning of patient areas will be prioritized
12. Car-side or curb-side pickup will be available for contacts or glasses, as well as shipping at no-charge to patients
13. To control the flow of patients in our glasses and sunglasses dispensary, frame selections/adjustments will be done by appointment only. Our staff is also great at doing glasses selection via email!
14. Tele health appointments are available for eye infections or other eye problems, without having to come into the office.
15. If you are new to our office, please fill out our patient forms on our website prior to coming in.

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.