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Home » Insurance » Questions & Answers About Vision Insurance

Questions & Answers About Vision Insurance

Where can I get vision insurance?

Group vision insurance can be obtained through your company, association, school district, etc., or through a government program such as Medicare or Medicaid.

Also, as an individual, you have the option of purchasing your own vision benefit plan.

  • 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): Indemnity health insurance is traditional insurance, which allows policyholders to access medical providers of their choice.
  • An HMO is a group of healthcare professionals – doctors, laboratories, hospitals and the like – employed to provide health care services to plan members at discounted rates. Usually, health plan members are required to access health care only from HMO providers.
  • A PPO is a network of healthcare professionals organized to provide healthcare services to plan members at a fixed rate below "retail" prices. Plan members may opt to access out-of-network providers, but usually at a greater cost.

What kinds of vision insurance plans are available? 

Vision insurance typically comes in the form of either a vision benefits package or a discount vision plan.

Typically, a vision benefits package provides enrollees eye care services in exchange for an annual premium or membership fee, a yearly deductible (a dollar amount) for each enrolled member and a co-pay (a smaller dollar amount) each time a member accesses a service.

A discount vision plan provides eye care at fixed discounted rates after an annual premium or membership fee and a deductible are paid.

Both kinds of vision insurance can be custom-designed to meet the different requirements of a wide range of customers, including school districts, unions, and big and small companies. 

What does vision insurance cover?

Vision insurance generally covers the following services and products:

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

Generally, services acquired from network providers are cheaper than services from out-of-network providers.

What are my payment options?

Typically, if group vision insurance is available from your employer, you pay for it through payroll deductions or flexible spending accounts (FSAs).

An FSA, sometimes called a cafeteria plan, allows an employee to use pre-tax dollars to purchase selected health benefits such as vision insurance. You save 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 purchase an individual vision insurance plan because your employer doesn't offer a group plan (or because you are self-employed), you can expect to be billed monthly or annually. 

 

 

Dear valued Patterson Eye Clinic patients:

We are open for normal business hours as of May 11, 2020. Essential and preventative eye care, as well as optical services, will resume immediately. Many patients are overdue for eye care. We will make every effort to schedule your examination promptly while also continuing to use safety and social distancing measures to help reduce the spread of COVID-19.

Our top priority is to provide a safe, clinical environment for our patients and team. All patients, doctors, and staff are screened via temperature checks and oxygen level testing upon entering the clinic. Our staff and doctors are required to wear personal protective equipment while administrating care. We are also requesting that all patients wear a mask when visiting the clinic. All rooms, work surfaces, and instruments are thoroughly cleaned and disinfected between patients. We have changed procedures to reduce time in the office, including adjusting patient scheduling to maximize social distancing. Telehealth care and curbside pick-ups will also continue to still be available.

We are grateful for your patience during this difficult time.

Sincerely,

Peter Nardone, O.D.

Laurel Loukx, O.D.

Jon Stoller, O.D.

Taylor Dalton, O.D.

Patterson Eye Clinic