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Home » Insurance » Frequently Asked Questions & Answers About Vision Insurance

Frequently Asked 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.

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NOTICE OF TEMPORARY CLOSURE/REDUCED BUSINESS HOURS DUE TO COVID-19

Dear Patients and Families of First Eye Care Grand Prairie,

In light of the recent development and spread of COVID-19, our top priority has remained the safety of our patients, families, community, and staff.

The American Optometric Association (AOA), Texas Optometric Association (TOA), and the Centers for Disease Control and Prevention (CDC) have recommended that “health care facilities and clinicians should prioritize urgent and emergency visits and procedures now and for the coming several weeks” and to “postpone routine dental and eyecare visits.

To better follow the guidelines recommended by the CDC, we have made the decision to postpone routine eye exams and temporarily close. A doctor will be on call for urgent or emergency medical eye visits only. Should you have an ocular emergency that requires immediate or urgent care, whether it is an injury, infection, foreign body, or sudden change in vision, please call/text (469) 563-2460.

We will have limited staff in the office on an as needed basis for urgent/emergency visits, and to take care of contact lens orders, picking up glasses, etc. Patients can arrange to get their contact lenses ordered and shipped to home, or curbside pick up of glasses/contact lenses can also be arranged. We believe that this unfortunate but necessary step will allow us to better follow the CDC’s guidelines and the Dallas County Shelter in Place Order to help limit the spread of COVID-19.

We will continue to monitor and keep you informed as the situation unfolds and will update you on changing hours as we learn more.

We want to thank you for your overwhelming understanding and support as we get through these difficult times together (but socially distant). We are most concerned for your health and safety, and that of your family, and look forward to seeing you again soon!