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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.

TARRANT COUNTY EXECUTIVE ORDER IN EFFECT 06.26.2020 6:00PM THROUGH 08.03.2020 6:00AM


HEALTH AND SAFETY POLICY

  1. FACE COVERING REQUIRED IN ORDER TO ENTER AND REMAIN ON PREMISIS. All persons over the age of ten (10), including employees, customers, visitors, invitees, and contractors (“patrons”), who enter this business must wear a face mask covering over their nose and mouth. The CDC advises face coverings for people 2 years or older. Face coverings may include homemade masks, scarfs, bandanas, or a handkerchief. Tarrant County residents should continue to maintain social distancing of at least six feet while outside their home.
    • The requirement of a face covering does not apply if covering the nose and mouth poses a significant mental or physical health risk to the individual.
  2. SOCIAL DISTANCING PROTOCOLS. Even with the use of appropriate face
    coverings, individuals should maintain six (6) feet of social distancing whenever
    possible.
    • Employees should not work within six (6) feet of one another, except to the extent necessary to provide services.
    • Patrons should maintain six (6) feet of separation from other individuals outside their household, to the extent feasible when inside the business premises.
    • Patrons of the business queuing or waiting inside or on the premises of the business must maintain six (6) feet of separation from other individuals outside their household.
  3. EXCEPTIONS. The requirement of a face covering also does not apply when an individual is consuming a food or beverage or receiving a service where the wearing of a face covering would impair the performance of the service.
  4. VIOLATIONS. Patrons who do not wear a face covering will be asked to leave the premises and will not be provided goods or services until the face covering requirements are followed.
  5. NOTICE AND SIGNAGE. Notice of this Health and Safety Policy will be posted in a conspicuous location of the business.

Thank you for your support and understanding during these unprecedented times. We hope to be able to continue to provide excellent care and service.