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Home » Insurance Plans » 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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Dr. Paternoster and his staff extend their wishes for the continued health and safety of our patients and their families.

The CDC has recommended that all routine eye care be deferred until further notice in order to slow down the transmission of COVID-19 in our community. Our office will still be available to treat all urgent and emergent issues as well as help you with routine matters during this challenging time.

What does this mean?

1. All routine eye examinations are being rescheduled starting April 19.

2. If you need to replace glasses or contact lenses, please contact us at 718-597-3530 or parkprofessional@aol.com. You may also text us at 718-597-3530.

3. If you need medication, please contact us so we can transmit a refill electronically to your pharmacy.

4. If you have an issue which cannot wait for an office visit, contact us to schedule a FaceTime, Skype or Telephone appointment.

5. If you have an ocular emergency, we will be available to help you.

These measures have been taken to protect our patients, our staff and our community. Despite the financial and emotional hardships these measures will cause, we must abide by them for the sake of our community, city and state.

Thank you for your kind understanding and cooperation. Stay well!