Skip to main content
Book an Eye Exam Call (804) 285-7638
eyeglasses-wall-display-on-a-slant
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. 

 

 

In an effort to reduce the spread of COVID-19, the CDC has recommended that all routine eye care be deferred until further notice.

For the safety of our patients, our team, and the community, P.E.C. is complying with that recommendation. We are currently rescheduling annual eye examinations for patients without problems.

Our doctors are continuing to see patients with urgent and emergent eye problems.

Temporarily, our office is open from 8 a.m. to 1 p.m. Monday - Friday.

Please call 804-285-7638 before coming to the office so that we can address your questions and concerns on an individual basis.

If you are picking up contact lenses or eyewear, we would be happy to bring them to your car. We can also mail your contact lens supply without shipping charges.

After business hours, if you have an eye emergency, please call 804-205-7628 to speak to one of our doctors.

Stay safe. We very much look forward to seeing you in the future.

Patterson Eye Clinic