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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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Dr Figler has enjoyed the many years of seeing patients at Family EyeCare Clinic and Kane and Figler Optometry and appreciated their confidence in his skills. The growth of his own practice in Slavic Village requires more of his attention located at 7211 Broadway Ave Cleveland, OH or call 216-641-0055 or visit his website broadwayoptical.net. We wish him the best of luck from the Family EyeCare Clinic.

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During this time of limited hours we can help!

If you need to pick up glasses or contact lenses during our limited hours please contact us. We can either mail or provide a drive-up service at the office.

If you would like to order contact lenses please call our office or visit our website and register to order your contact lenses on-line. https://www.familyeyecareclinic.biz/eyeglasses-contacts/order-contact-lenses-online/

Need to see the Doctor?

If you have sudden vision loss, eye infection, severe ocular pain, sudden double vision, sudden flashes of light or new floaters; we are available to see you during our limited hours - 9:00 am through 12:00 pm. Call to make an appointment. Please do not bring additional individuals into the office unless necessary. Normal business is anticipated to return on April 6th, 2020 as mandated by the governor.

Our normal everyday standards of cleaning equipment with Lysol and alcohol wipes are still in effect. We are laser thermo testing patients prior to exams, extra cleaning of rooms between exams and team members not feeling well being asked to stay home. If you do not feel well or have symptoms of a cold or flu please reschedule until you feel better.

Yours in Eye Care,

Dr. Brian Kane