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Home » Insurance » Questions & Answers About Vision Insurance

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.

Dear Patients,

Dr. Lewis Eye Care has made the difficult choice to temporarily close due to the COVID-19 virus pandemic based on the recommendation of the CDC. We cannot perform eye exams while maintaining social distancing, so continuing to see patients at this time could contribute to the spread of the virus.

Our initial plan had been to reopen Monday April 6th. However, as we get closer to that date it is becoming apparent that we may have to be closed for a longer, indefinite period of time.

If you are having an urgent eye health issue, there are some clinics in our area that are seeing patients for emergencies during shorter business hours. You should call ahead to those offices before going to their clinic, as their availability might change day by day. Those clinics could include Vancouver Eye Care at 360-823-2020, Peace Health Medical Group Eye Care at 360-514-7210, and Vancouver Clinic in Salmon Creek at 360-882-2778.

If you need a glasses or contact lens prescription emailed to you from our office, click on the Contact Form link, type in your name, email, and what you are requesting, and we will email you the information you need as soon as we can.

Thank you for your understanding, and please stay healthy during this difficult time.

Sincerely,

Dr. Scott Lewis, OD