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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.

Open

 

Here at Village Eyecare we have implemented some new protocols to ensure the highest sanitization standards are met when patients come to our office.  Our new protocols have been developed based on the guidelines of the CDC (Center for Disease Control), the DOF (Department of Health), and the AOA (American Optometric Association). Our new safety measures are detailed below:

1. Individuals with symptoms of COVID-19, living with someone who has symptoms, has been in contact with a confirmed case of COVID-19, or who has traveled outside of US within the last 14 days cannot be scheduled for an examination.

2. A sanitized wipe will be available to use upon opening the main door of the practice as well as the restroom.

3. Hand sanitizer will be available at the foyer and must be used by anyone entering the office.

4. Anyone entering the office over age 10, including patients and guardians, must wear a mask.

5. All patients and guardians will have their temperatures taken and asked a COVID-19 questionnaire at check in. Individuals with a fever over 100.4 or higher will be asked to leave the office immediately for a period of 14 days.

6. Social distancing will be implemented in the reception area and optical. Patients must come to their appointments alone unless they are a minor (18 or younger) or cannot physically attend the appointment unattended. Those who are not being examined (or accompanying a patient being examined as in the aforementioned scenarios), or selecting eyewear, will be asked to remain outside of the office.

7. Dilation with eye drops will be done based on the doctor’s discretion in attempt to limit the proximity of the doctor to the patient.

8. Our office will continue to mail all contact lenses to patients’ homes to limit the number of individuals in the office at once.

9. Infection control procedures will be updated and posted. Procedures include disinfecting touch points such as eyeglass frames, counter tops, chairs and examination equipment at the beginning of day, in between patients, and at the end of the day.

10. All doctors and staff will always wear masks and/or face shields. All Village Eyecare employees will be screened for COVID-19 and have their temperatures recorded twice a day. Those who display a fever of 100.4 or higher, will be asked to leave the office immediately for a period of 14 days.

We realize these changes will greatly affect all of you as patients and we appreciate your cooperation in navigating through these changes. Our goal is to keep our doctors, staff and patients as safe as possible, while still providing the highest quality care. Moving forward, we are excited to be back in the office and seeing all of you again.