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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.

In an effort to further protect our patients and staff, we are taking the following precautions at our office:

When you arrive in the office for your appointment:

  1. The door will remain locked and open only for patients that have been initially screened
  2. Careful Screening:  All persons entering the office will be screened for symptoms of COVID-19 by 1) being asked a series of screening questions and 2) their temperature will be taken before entering the office.  If the patient's temperature is greater or equal to 100.4 degrees F (38 degrees C), that person will be denied entrance and asked to see their primary care physician.
  3. No additional family, friends, etc will be allowed to accompany the patient into the office
    1. *Exception: children and others requiring assistance - 1 single parent or accompanied guardian allowed
  4. We ask that you please wear cloth or medical MASKS when entering our office. A mask will be required for entry through the door.
  5.  We will be implementing a *$50 “No Show Fee”* for no shows or cancellations if we are not notified at least 24 hours prior to your scheduled appointment.

Safety and Sanitization Precautions:

Frame Selections, Adjustments, Repairs and Dispensing:

 

Although there may be some changes to your normal visit to our office, we assure you that we are doing our best to follow all CDC, California Department of Public Health, California Optometric Association and local public health guidelines to keep our patients, staff and community safe without compromising our standard of excellence and quality during this time.

We ask that you all are mindful of the following precautions. We are all in this together. We look forward to SEEing you all soon!

Aloha Family Optometric Team