Skip to main content
Menu
940-626-0045
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.

x

We have made the decision to close our practice for the next two weeks. This is following the recommended guidelines set by both the CDC and the State of Texas. This policy will go into effect immediately.

We are hoping to re-open on Monday, April 6th. This too can change in the future. By taking the action of closing for two weeks, we are hoping to curb the extension of this unprecedented health crisis. At this time, we can only plan until April 6th.

If you have an ocular emergency, please reach out to: Advanced Eye Care Center

Dr. Rodgers Eckhart MD

2210 San Jacinto Blvd #1

Denton, TX 76205

940-382-8000

Due to the office closure, we will have limited staff to assist you with your needs. If you are needing to pick up glasses or contact lenses, please text us at 940-626-0045 between the hours of 9:00 am – 1:00 pm, Monday – Thursday. Once we receive your text, we will deliver to you in your car. We appreciate your understanding as we are trying to protect not only our patients, but our staff as well. We are planning to re-open under normal business hours April 6, 2020.

With the day to day changes surrounding COVID-19, our office is currently closed for the next two weeks for patient care. In light of uncertainty, if you are a contact lens wearer and have less than a 3 month supply, we highly recommend that you place an order now. We can ship them to your home or work address. We will extend contact lens prescription expiration dates on a case by case basis. Please call our office at 940-626-0045 or email us at vision@bondeyecare.com to place your order.

We give our loving thoughts to all that have been impacted by the virus and we as a team are taking necessary precautions for all of our loving patients, employees and families. As we deal with these uncertain times, we appreciate your understanding and know that we are all in this together.

Stay safe and healthy,

Drs. Lindsay and Michael Bond