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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.

To Our Beloved Patients...

We are closely monitoring the fluid situation and want to be extremely vigilant to do our best to flatten out the curve for our community, country and globally. To respect social distancing as recommended by the CDC, the City of Keller, and our various Medical and Optometric Associations, it is with great considerations we must implement some changes to our schedule starting June 1st, 2020. Thank you all for your patience and understanding during this challenging time as we navigate through a global crisis.

Our hours of operation will be 9am-5pm Monday through Friday, closing for lunch from 12:30-1:30. We will be open the 2nd and 4th Saturdays from 9am-2pm.

The front door will be locked, and only scheduled patients will be allowed in the office one at a time. If you arrive at our office, please call 817-562-2020 and let us know the nature of your visit. We will do our best to help you.

We will be providing curb side delivery for ALL materials such as glasses and contacts lenses.

We will be conducting temperature checks of anyone entering the office and have them use hand sanitizer at the door.

Questions that will be asked of patients prior to appointment...

1. Have you or anyone in your household been out of the country in the last month or have traveled to any high-risk areas?

2. Have you or anyone in your household been sick or experiencing any flu or cold like symptoms?

3. Are you having any major vision changes, ocular pain or discomfort? If not, then you may be asked to schedule at a later date.

May God bless you and your family,

Baker Family Eyecare