Skip to main content

Eyeland Optometry

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.

- - - - - - - - - - - - - - - - - - - - - - - - - - -

100013924 stock vector please note orange 3d square isolated speech bubble (1)

- - - - - - - - - - - - - - - - - - - - - - - - - - -

Please take note that our clinic will not be re-opening until the middle of June. Therefore we are not able to accept any eye appointments at this time. For all emergencies please contact either the Royal Alexandra hospital eye clinic or the sturgeon hospital eye clinic. We are setting reminders to call patients to reschedule their appointments when we are back to normal business hours. If you would like to be on the call list, please leave us a voicemail with your full name, date of birth and phone number or you can email us at stalbertoptometrist@gmail.com

We are setting in place booking times for our patients once a week to pick up glasses, contact lenses & dry eye products such as thealoze drop & blephaclean lid wipes. Frame adjustments including straightening of frame or needing a replacement screw are also available by the product pickup appointment.

Please click on book your eye exam online to set a product pick up appointment time.

You can now send a contact lens order request from our website, using the order contact lenses online tab on our homepage. Your contact lenses will be shipped directly to you. Please note that we cannot deliver contacts to PO Box addresses. In the notes section of the form, please confirm your home address for shipping.

We want to thank everyone for your patience and understanding in helping us keep everyone safe & healthy.

- - - - - - - - - - - - - - - - - - - - - - -  369630  - - - - - - - - - - - - - - - - - - - - - - -