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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.

stouffvillecovid

Dear Valued Patients,

We would like to clarify to our patients that despite the province-wide lockdown starting Thursday, December 24, our office is still open.  Patients who have appointments already booked will still be seen as scheduled.

We will continue to operate in a way that is in alignment with provincial guidelines and is designed to keep you and our staff safe while still allowing us to deliver the high standard of eye care you are accustom to.

Our doctors have modified their schedules to increase physical distancing. As a result, fewer appointments are available, and we are having to assign these appointments to people with immediate and greatest needs.

We will also be:

• Using telehealth appointments, when appropriate, to deliver care from a distance.

• Time in our Frame Gallery will be scheduled for patients to try on and choose eyewear.

• All eyewear adjustments, repairs, and pick-ups will be scheduled.

• Our doors will be closed as we will not be accepting walk-ins at this time.

• Contact lenses will continue to be shipped directly to patients.

We look forward to servicing our amazing community with all their eye care needs and thank you for supporting us as we navigate these unprecedented times.

Stouffville Optometry