Skip to main content

Downtown2020 optimized

camas2020 optimized

Locate Us
Book An Appointement
Home » Insurance » FAQs of Vision Insurance Plans

FAQs of Vision Insurance Plans

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.

A 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.

x

Unfortunately, due to COVID-19 we have had to temporarily reduce our hours. Click here for our July/August hours.

With all of the unknowns confronting us in this difficult time, what remains certain is the importance of eyecare. Many of our children have unfortunately, although understandably, been exposed to much more screentime than ever before. Whether you believe and hope they will need to see the chalkboard across the classroom later this year, or whether they will be attending Zoom classes, we have special lenses for minimizing the effects of Computer Vision Syndrome, and methods for managing their nearsightedness. You also may be in need of relief for long hours of screentime, or you may need a new set of frames or contacts, and you may have pushed off a comprehensive eye exam which can be critical in detecting budding vision disorders and other health conditions. We encourage you to make an appointment with us as soon as you can, so that you will have one less worry as we move together towards a “new normal.”

Call us today to schedule!

Click here for the hygenic procedures we are implementing to keep you safe and healthy.