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Home » Insurance » FAQs of Vision Insurance Plans

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.

COVID-19 Updates

Dear Valued Patients,

We have missed you and are excited to reopen on Wednesday May 27th, 2020! We are following CDC and American Optometric guidelines on reopening. This has been a very difficult and stressful time for all and we appreciate your patience and understanding.

We will have limited hours of operation for now.

Our new schedule for the near future will be: Mondays 11-5, Wednesdays 11-5, and Saturdays 11-2.

Patients will be seen on an appointment-only basis for the time being.

We are implementing the strict protocol in the office to keep you and our staff safe.

▪  Our doctor & staff will wear face masks & will actively disinfect every room between patients.

▪  Anyone entering the office will be required to wear a facemask and use hand sanitizer upon entry (facemasks with valves are NOT allowed unless another mask is worn on top of it as they do not follow CDC guidelines). We CANNOT make any exceptions at this time and do not accept any waivers. This is to protect our staff, patients and our families.

▪  Appointment times are spaced further apart to ensure social distancing.

▪  No walk-ins will be allowed at this time.

▪  All patients will be required to have the OPTOMAP (Retinal Photography) at a reduced rate to minimize patient contact.

▪  All patients will be required to download, fill out, and bring the intake forms found on the website http://www.eyecareofaustin.com under Patient History form section.

▪  All payments and copayments will be taken over the phone prior to appointments.

▪  Doctor will have video or phone interview about reasons for visits and symptoms, as well as COVID-19 screening questions prior to appointment. We will send you a link for a video chat. This will reduce the time spent in the office and allow face to face conversation before your appointment.

▪  All patients will be required to sign a document stating the following: You have not been exposed to someone diagnosed with COVID-19, have traveled recently, or are feeling feverish.

▪  We will be screening all patients for COVID-19 symptoms. Anyone exposed to someone diagnosed with COVID-19 has traveled recently or feeling feverish, will be rescheduled at least 14 days out.

▪  Please come to your appointment alone unless you are a minor and require adult supervision or require medical assistance. We will allow one caregiver inside with each patient if necessary.

▪  All instruments will be thoroughly sanitized between each patient.

▪  Discussions with doctor and staff will be kept to a minimum. Follow up phone calls or telehealth

video conferencing will be used as often as possible.

▪  Intensive staff training to ensure a safe, clean, and healthy environment for all of our patients and staff has been implemented.

▪  We will be contacting patients who are currently on the schedule to confirm dates and times. We will do our best to reschedule canceled appointments and find available times in the upcoming weeks.

As always, feel free to contact our office with any questions or to schedule an appointment. We look forward to seeing you soon!

Sincerely, Eyecare of Austin

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