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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.

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.

Protecting our Patients from Coronavirus

Making sure our patients and staff are safe is our top priority.

While the risk of getting the COVID-19 in the US is currently low, we know many patients are concerned about the spread of Coronavirus.

Protocols we already practice as healthcare professionals are some of the best ways to prevent the transmission of the virus.

If you have recently traveled outside of the US, or have had close contact with someone who has, or if you have a fever, cough or other symptoms of acute respiratory distress, please call our office to reschedule your visit. Many of our patients are children and elderly and have unique risks if they are exposed to COVID-19.

Thank you for helping us to protect all of our patients.

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With the day to day changes surrounding COVID-19, we do not know how much longer we will be open to the public. With that being said if you are a contact lens wearer and currently have less than a 3 month supply left, we highly recommend that you place an order now. We will ship them directly to you at no charge.

We will extend contact lens prescription expiration dates on a case by case basis.

Call/text 512-916-4600 or email info@freedom-eyecare.com to place your order.

Dr. Azadi is available for Telehealth Virtual consults so please feel free to contact us via text, phone, or email.

Sending well wishes to you all,

Freedom Eye Care