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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.

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To our valued patients,

During these challenging times, we feel it’s especially important to keep you informed of what we are doing to keep you safe. The health and safety of our patients is our primary goal. The impact of the COVID-19 pandemic remains fluid and as such we have made the following changes in our clinic as we strive to maintain the highest standards of care for you our patients:

* Modified schedule. Anyone entering the clinic will need an appointment. There will only be one patient allowed in the clinic at one time to ensure social distancing. Other family members are not permitted in. You can continue to call the clinic to make these appointments. Seniors 60 and over will kindly be asked to reschedule for a safer time in the future.

* All patients must sign a form declaring that they do not have a fever, sore throat, cough, runny nose and other flu-like symptoms including aches and pains. They also must declare that they are practicing social distancing in accordance with the Governor of Washington’s mandate.

* All common surfaces will be disinfected in accordance with current guidelines and protocols after each and every patient and before a new patient enters the clinic. This includes instruments and eyeglass frames that have been handled.

Thank you for your patience and understanding during this difficult time. Our thoughts and prayers are with you. Together, we will get through this.

Warmest regards,

Dr. Osborne and staff