Skip to main content

TRUMBULL
6515 Main Street, Suite 8L
Trumbull, CT 06611

SOUTHPORT
2600 Post Road
Southport, CT 06890

NORWALK
444 Westport Avenue
Norwalk, CT 06851

STAMFORD
1425 Bedford Street
Stamford, CT 06905

Trumbull
203-457-8799
Southport
203-457-8663
Norwalk
203-457-8544
Stamford
203-457-8744
Home » Insurance » FAQs of Vision Insurance Plans

FAQs of Vision Insurance Plans

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.

A 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

Dear Valued Patient,

With all the news and information coming out about the coronavirus disease (COVID-19), we are taking necessary precautions to ensure the health and safety of you as our patient, our staff, and our community. In addition, we are continuously checking for updates from both the Center for Disease Control (CDC) and the American Optometric Association (AOA) on guidelines as to what, we as your health care provider must do and be aware of. All of our offices are diligently practicing proper hygiene through handwashing by both the optometrists and staff, and the disinfecting of all of our equipment and surfaces in the waiting room, pre-testing, optical, and exam rooms.

In addition, we are advising any of our patients with flu-like symptoms including fever, cough, and shortness of breath to stay home, as well as those who have traveled to any country on the CDC advisory list in the last 14 days. For those who are not experiencing any of the symptoms listed above, we advise taking similar precautionary measures such as washing your hands often and disinfecting and cleaning any frequently touched surfaces.

If you are considering changing or cancelling an upcoming appointment please call one of our offices and discuss options with a friendly staff member. Your health and safety is a priority to us, so any same day cancellations due to illness will not be subjected to a $50 cancellation fee due to the circumstances. Otherwise, we look forward to your visit and will hopefully see you soon! For more information on COVID-19, ways to stay healthy, and what to look out for, please visit the CDC.gov.

Thank You, Eye Care Associates, P.C.