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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.

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Dear Northwood Vision patient,

COVID-19 has the potential to cause grave harm to many of the citizens in our population. According to Harvard epidemiologist Dr. Mark Lipsitch it is likely that at least between 40-70 % of the population will become infected with COVID-19. This virus is twice as contagious as the flu. About 80 percent will not have severe concerns, but based on the current data, 20% of the infected will become severe or critical, needing some form of hospital care to do well. Currently, about 30 % of those who become classified as severe based on WHO classification, will not survive. These are the unfortunate realities at the moment.

Meanwhile, at Northwood Vision, we want to do as much as possible to minimize this risk, to prevent mortality and long term side effects, while doing our best to provide the services our patients need. We are convinced you care about these same things. (Read more)

Here is what we are asking you to do to make a smaller exposure footprint:

  1. If you have any symptoms of a cold or flu (coughing, fever, difficulty breathing, running nose, etc), please reschedule your appointment for at least one month from now.
  2. Try not to touch any surfaces in the office you do not have to touch.
  3. If you are trying on glasses, DO NOT put the frames back on the shelf. Rather, we will collect them from you for proper cleaning before they are returned to the shelves.
  4. If you are ordering contact lenses, a year supply (and some 6 month supplies) order can be direct shipped to your home at no cost. Please take advantage of this so you don’t have to come into the office more than necessary.
  5. If you do need to come into the office for an adjustment, please call the office at 727-725-5558 when you arrive in your vehicle. We will let you know if there is a wait and will put you on a list so we can call or text you to come therefore minimizing the time you are in the enclosed space of our office.
  6. Please come to your appointment with the least number of people possible to reduce exposure to them and to others at the office.
  7. If you have any loved ones that have been exposed to the virus or certainly if they have symptoms of a respiratory illness, please wear a mask in case you are an asymptomatic carrier, or if possible, wait at least 4 weeks before coming in for non-essential care.

In an effort to protect you, here is what we are doing to help lower your risk:

  1. All surfaces in the office will be cleaned several times per day with antiviral/antibacterial cleaner. Surfaces in the exam room will be cleaned thoroughly in between each patient.
  2. No sick or symptomatic staff will be permitted to work while sick with a known viral respiratory infection or symptoms, or while directly caring for a sick relative/friend.
  3. For your safety, payments can be done ahead of time over the phone if you call ahead. This will decrease the amount of time you are in the store and your exposure risk in our enclosed space.
  4. No glasses frames other patients try on will be put back on display until the frames are cleaned with an antiviral cleanser.
  5. We are actively asking patients to reschedule for 4 weeks later if they have any symptoms themselves or in their family/ social network.
  6. We are giving options for patients to acquire goods by mail rather than coming into the store.
  7. We altering our schedule to decrease the number of patients that might be in the office at the same time to maximize social distancing.
  8. We are practicing frequent hand washing at our office to protect you and each other.
  9. We will ask patients to reschedule if they present to our clinic with a cough or other COVID-19 symptoms.

Thank you for your patience and understanding during this stressful and trying time. Let us all work together to lower risk of the spread so that less people die and less people have permanent side effects from COVID-19. Each of us can do our part. May God bless each of you and keep you well. Thank you for your understanding and care for your fellow humans.

Dr. Christopher K. Keats, OD