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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.

VisionaryEyecare COVID19 EblastHeader

To Our Visionary Eyecare Family of Patients,

As we all work together during the COVID-19 pandemic, please know that we are committed to providing and maintaining a safe and healthy environment for our patients and staff. Your safety and well-being are always our top priority.

In an effort to do all we can to insure safety, we are following the CDC’s recommended health and hygiene guidelines in our office. As we continue to deal with this crisis we will further adjust our office hours:

The week of April 6 – 10 we will be closed, but still be available by phone and our email, info@visionaryeyecareofmonroe.com. If you have a medical concern for your eyes, need a supply of contacts, or have an eyeglass emergency, please leave a message on our phone 243-0370 or email us and we will reach out to help you. The week of April 13th we will continue with abbreviated office hours Monday – Friday, 10 AM – 3 PM.

If you or a family member are experiencing symptoms of COVID-19, or are not feeling well, we kindly ask that you refrain from coming to our office and we will see you at a later date. Please do not bring anyone else with you unless you need additional help or assistance.

For additional information regarding COVID-19 and guidelines for keeping yourself and others healthy, please visit the CDC website at www.cdc.gov.

We are closely monitoring this situation and will keep you informed of any relevant updates. Stay healthy!

The Doctors and Staff of Visionary Eyecare