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Family Eye Care

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.

We hope this finds you all healthy and safe.  We are pleased to announce our re-opening for routine eyecare on Monday May 11, 2020.

As a valued member of our Lake Erie Family Eyecare patient community, we appreciate the trust you place in us and want to inform you about how we are addressing the coronavirus (COVID-19) situation.

Please know that our office is following all recommended guidance from public health authorities, including best practices for hygiene, infection control and medical professional team health. We feel confident in our ability to continue seeing patients and providing primary care according to the tradition of quality care that you have come to expect and deserve.

Our highest priority is to keep all of our patients and staff as safe as possible.

The coronavirus spreads very easily. So, please call us before you come in for an appointment if you have any of these symptoms or risk factors:

 

As a staff we will be wearing masks and request that you do as well for everyone’s safety and to limit the possibility of exposure.  If you do not have a mask, we may be able to provide you with one while our supply lasts.

Please try to complete all necessary paperwork prior to your scheduled apt (can be found on our website..)

We are requesting that only scheduled patients enter the office ( including glasses selection and dispensing/adjustments to help practice social distancing and to keep foot traffic limited as much as possible (if the patient is a minor or requires the assistance of a caregiver, please limit this to one additional person if possible)

For contact lens orders, please call ahead for curbside pickup

We are excited to resume patient care and will continue to closely monitor events in our local community in order to continuously update our policies and protocols as a result of new information.

Thank you for your understanding and please know that we appreciate your trust. We hope you and your family are well and continue to stay healthy & safe during this time.

With kind regards,

Dr. Jennifer Felbinger and the Lake Erie Family Eyecare team.