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651 SR 13
Saint Johns, FL 32259

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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.

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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Update on COVID-19 (03/30/2020)

We wanted to thank you for your continued support of our office during this challenging time. We will continue to be open from 9:00am-1:00pm Monday through Friday to dispense contact lens and eyeglasses orders. We will also be able to order additional contact lenses for patients who may be running low.

While all routine eye care is still deferred during this time, we will remain available to triage eye emergencies. We will send out additional notifications as soon as it becomes possible to resume routine eyecare.

Please call or text us at (904)287-4567 or email us at cfec2@2drfishers.com with any questions for concerns.

*****CONTACT WEARERS*****

With the day to day changes surrounding COVID-19, we do not know how much longer we will be open to the public. With that being said, if you are a contact lens wearer, and currently have less than a 3 month supply of lenses, we highly recommend that you place an order now. We will offer free shipping on lenses directly to your home (with a minimum of 2 boxes). We will also extend contact lenses prescriptions, as needed, for those expiring within the next three months.

Please call or text us at (904)287-4567 or email us at cfec2@2drfishers.com.

Hours: As of March 30, we will be open from 9:00am – 1:00pm Monday through Friday only to dispense contact lens and eyeglass orders. We will have a doctor available to see ocular emergencies if needed.

Routine Eye Exams: If you are scheduled for a routine eye examination appointment during our closure, we will reschedule your appointment. As of March 30, 2020, we will begin rescheduling routine eye examination appointments for April 13th and later.

I need to replace my glasses. What do I do? Please contact us at (904)287-4567. We may be able to extend your prescription during this time and will help you with your eyewear needs.

I’m nearly out of contact lenses. What do I do? Please contact us at (904)287-4567. We may be able to extend your prescription during this time, and/or place an order for your contact lenses and have them shipped to your house (with a minimum of 2 boxes).

I need a refill on the medication prescribed to me by the practice. What do I do? Please contact us at (904)287-4567 or cfec2@2drfishers.com. We can transmit a refill for your prescription directly to your pharmacy so that you have the medication that you need.

I need to pick up my order. What do I do? We will be open from 9:00am – 1:00pm Monday through Friday only to dispense contact lens and eyeglass orders.

I don’t feel comfortable coming into the office to pick up my order. What do I do? Please contact us at (904)287-4567 and we can bring your contact lens or glasses order out to your car. Since we are working with reduced staff, please allow us extra time for curbside pick-up. Also, when you place your contact lens order, you can elect to have them shipped to your home.

What about an eye emergency after your shortened business hours? What can I do? If you have an ocular emergency, please call (904)287-4567 and wait for instructions at the end of the message.

Our doctors will do their best to accommodate your needs whenever possible during this time. We have reduced our staff hours until further notice to protect them, our patients, our community, and our nation. Despite the financial and emotional hardships this will cause, we ask every one of you to do the same.

Together, we will weather this storm.