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Home » Insurance » 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.

The Centers for Disease Control Prevention (CDC), the Texas Department of State Health Services, and Governor Greg Abott’s Executive Order GA-09 has mandated that all routine eye care be deferred until April 21 (subject to change) to help in order to slow the transmission of COVID-19 through our community.

What does this mean? If you have:

1. medical eye emergency

2. ran out of contact lenses and need to reorder

3. need to pick up an order you placed earlier

4. broke your glasses and need a repair or reorder

5. Running out of medications

Please text/call our office at 5124544401 or email us at info@visionsourceaustin.com.

We will do our utmost to help you with your vision needs.

For contact lens and eyeglass orders, we will offer curbside pickups (please call from your car when you arrive)

With sincerest wishes to you and your families for continued good health during this time, we thank you for your understanding and your continued support of our office. We remain at your service and look forward to welcoming you back to our office soon.

Sincerely

Dr Yu-Davis and staff

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Temporary reduced office hours:

Mondays, Wednesdays and Fridays 10:00 am – 3:00 pm

Please text us at 512-454-4401 to arrange other times if you are unable to make it during those hours.