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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.

COVID-19 News

 

 

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We are following recommendations from our governing body to postpone routine vision care, and are only opening the office to emergency patients at this time. Patients can reach the office by calling 856-832-4950 or emailing us at vec@sjvillageeyecare.com. We will be returning phone calls and emails in a timely manner.

In the meantime, here are some recommendations to stay healthy while we work through this:

Urgent/Emergency Eye Care:

⁃ Avoid urgent care and the hospitals for eye problems to keep the hospitals more available for COVID-19 care. Call or email our office for emergency eye care needs.

Vision Strain Awareness:

⁃ Children and adults alike are about to spend even more time than usual on their tablets, phones and computers and the risk of eye strain will consequently be much higher. To reduce the risk of eye strain, try to follow the “Rule of Twenty”; when performing prolonged near activities, do the following:

- Maintain a working distance of at least 20 inches (the further you hold things from your face the less focusing effort is required).

- Take a vision break every 20 minutes to look far away (at least 20 feet) for at least 20 seconds.

- For children, the break should be longer.

Social Distancing:

⁃ Help everyone stay safe by social distancing and eliminating unnecessary social interactions. This will make a huge difference in delaying the load on our hospital system so everyone has the best chance of surviving when they become infected with COVID-19

Contact Lens Care:

⁃ Remove your contact lenses nightly. Even if you've been told they are safe to sleep in and you've been doing it with no problems, this is not the time to get an eye infection.

⁃ When you remove your lenses be sure to clean them with designated contact lens cleaning solution, using fresh solution nightly. DO NOT USE WATER!

⁃ Keep your contact lens case clean! If you are having trouble finding cases or contact lens solution to purchase, we have some available at no charge.

⁃ Throw away your lenses on time. Acuvue Oasys lenses are designed to be thrown away every 2 weeks, while other brands such as Air Optix, Biofinity and are monthly disposable lenses. Daily disposable lenses are single use lenses and should be thrown away after every use. If you aren’t sure what your disposal schedule is supposed to be, contact us via email (vec@sjvillageeyecare.com) and we will be happy to help you.

⁃ If you are at risk of running out of contact lenses, our office can order you more and have them shipped directly to your home.

Emergency Glasses:

⁃ If you have the misfortune of breaking your glasses, contact us and we will do our best to get you an emergency pair as soon as possible.

Our office number is (856-832-4950) and our direct email address is vec@sjvillageeyecare.com. We check our messages and email regularly and will respond as soon as possible.

Wishing the best for you and your families and looking forward to working together during this crisis and into the future!