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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.

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Valued Patients,

Here at Brooks Eye Center, our patients’ and staff’s health and safety is our utmost priority. Given the recent outbreak of COVID-19, we are closely monitoring the situation as it applies to our patients and staff and adjusting procedures accordingly. We want our patients to know that we will do everything within our scope to keep providing quality eyecare while being diligent about infection control and prevention.

Our exam areas are being cleaned and disinfected after each patient is treated and all our staff are following strict hand-washing and sanitizing regimens. We have also implemented a pre-screening process and are taking measures to minimize waiting in common areas.

In addition to our in-office efforts, please consider the following preventative measures: if you have traveled internationally, been on a cruise, or traveled to a high-risk area, please call our office before coming in. Also, if you have a compromised immune system, have experienced any respiratory symptoms (cough, shortness, or fever), please reschedule to been seen at a later date.

These procedures are an effort to minimize any unnecessary exposure to possible viruses and infections to our staff and patients, as well as to prevent the spread of this virus as much as you can. Your patience and understanding during this time is greatly appreciated. Please don’t hesitate to call our office with any questions or concerns.

Thank you!