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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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With a heavy heart, we are informing you that we have decided to close our office for all care other then for urgent/emergency visits until further notice. This closure is in alignment with the CDC and AOA recommendations for Optometry during the COVID-19 outbreak.

We will continue to monitor our phones and email: admin@bristolfamilyeyecare.com and will respond to you in a timely manner. Dr. Bristol will be available for virtual visits through the app Eyecarelive as well as by appointment for in-office care for emergency needs.

https://apps.apple.com/us/app/eyecarelive/id1082966035

Staff will be available for product pickup from 9am-1pm for the remainder of this week. Call us when you arrive at the office and we will take your items to the foyer for you to pick up. Unfortunately, we will not be able to do any adjustments to glasses at this time. After Friday 3/27 we will continue to be available for pickup by appointment only.

We understand that you may have missed your yearly appointment and have a need for contact lenses. We are extending contact lens prescriptions for all current patients for an additional 6 months. Just call us at 512-263-3937 and we can get your order placed and shipped directly to your home for free!

If you need glasses at this time, we can remake a pair of glasses from your previous order.

Please understand that we are constantly monitoring this situation and will open our doors to resume business as soon as we are allowed. The health and safety of our patients and our team are of the upmost importance to us.

Sincerely,

Bristol Family Eyecare