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Home » Insurance & Payments » 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.

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Dear valued patients:

We love our patients and the work we do so very much. While we are sad to think we will have to miss seeing your beautiful smiles for the next few weeks, protecting the health and safety of our patients, staff and the members of our community is of the utmost importance.

In response to recent recommendations from the California Optometric Association and the local government for limiting the spread of COVID-19, our office will be closed for three weeks, effective today – Monday, March 16 – at 4pm. All regularly scheduled routine eye appointments will be cancelled. Our team will reach out to those impacted to reschedule.

If you need assistance with ordering or picking up CLs/glasses, please email us at info@universityoptometry.com or text us at 650-766-6655. We will be checking both emails and texts throughout the day, but please be patient with us in getting back to you. If you are experiencing an eye emergency, please text us at 650-766-6655. We will do our best to get back to you in a timely manner. If you do not hear back within 30 minutes, please go to the local urgent care or the emergency room.

Thanks for your patience with us as we try to work through this. Stay tuned for updates via email.

Stay safe and healthy! We look forward to seeing you all back in a few weeks. Thanks, Your Friends at University Optometry