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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.

Office Update: 

Covid 19 has challenged many of us to find a new normal and we are excited to announce the changes coming to VCO. Starting Monday, May 4 both offices will be open to serve patients. In order to maintain social distancing and provide you the best care possible, we have new extended business hours for 2020! This means our front desk is diligently working to reschedule patients to fit the doctors' new schedules. All of our doctors will now have hours at both locations! In addition, we are following careful guidelines to sanitize the office, exam rooms, and optical. We also ask that you follow the guidelines below to help keep all of our patients and employees safe and healthy. Thank you for your patience during these changes and we look forward to serving you soon!

Sincerely,

Vision Care Ophthalmology

 

NEW CLINIC & OPTICAL HOURS:

Mon, Tues, Thurs, Fri 7:00 am-7:00 pm | Wednesday 8:00 am-8:00 pm | Saturday please call for hours

 

SURGERY UPDATE:

We are working closely with Parkview, Dupont, and our other surgical locations as they reopen for elective surgeries. We will be in contact with you as times become available for our surgeons.

 

PATIENT GUIDELINES

+ EVERYONE IN THE BUILDING IS REQUIRED TO WEAR A MASK+