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Home » Insurance » What’s in Your Vision Insurance Plan

What’s in Your Vision Insurance Plan

There are more options for vision insurance today than ever before. Whether your vision insurance plan is one you choose as an additional benefit in your employer health benefits package, or vision coverage you seek on your own through an insurance company or vision benefits provider, there are basics you should understand to make the most of vision insurance.

Understanding Vision Plans and Coverage

The options available to you in vision plans can be a little daunting. If you’ve chosen your vision insurance through your employer, your HR department and the insurance company literature—and websites—are a good place to start to understand what your vision insurance plan does and does not cover.
In general, there are two types of vision insurance plans:

Vision Benefits Package

Often purchased as an addition to traditional employer-provided healthcare, this type of vision insurance includes a fixed set of benefits related to eye health and maintenance, such as routine eye exams and testing, discounts for corrective eyewear, even benefits that reduce the cost of eye surgery. Vision insurance like this typically includes a network of participating eyecare professionals who have agreed to honor the plan particulars.

This type of vision insurance plan has evolved over the years to include more personalized choice for the consumer in the form of defined contribution vision coverage—where you, the consumer, choose the particular services and discount offerings based on what you expect your vision expenses to be.

Many of these vision plans involve using pre-tax dollars deducted automatically by your employer in the form of Flexible Spending Accounts, ‘Cafeteria’ Plans, Health Savings Accounts or Health Reimbursement Accounts. Each has particular tax advantages and drawbacks you should discuss in full with your vision plan administrator or provider, and if necessary, a tax professional.

Vision Discount Plans

While similar to traditional vision benefits, this type of vision insurance is generally less flexible than a vision benefits package because it offers flat discounts across the board for a wide menu of vision-related services, including specified discounts on eye exams, eyeglasses and contact lenses, even many surgical procedures.

You agree to pay the difference in cost in full—however these types of plans generally offer lower premiums than traditional vision benefit plans.
Vision insurance like this typically includes a “network” of participating eyecare professionals who have agreed to honor the stated discounts within the vision plan, so long as you agree to pay the difference.

Vision Insurance Planning

It may sound confusing at first, but you can plan to use your vision insurance to your maximum benefit by fully understanding what is specifically covered or not covered under your vision insurance plan, and by also discussing options with your eyecare professional to see how best to apply your particular vision coverage to your eyecare expenses.

This planning includes fully understanding any traditional health insurance coverage you may have. Unexpected eye injury, or the onset of certain eye diseases and their related treatments is often covered by your traditional health insurance rather than your specific vision insurance plan.

The point here is—it’s your vision insurance, your vision coverage—understanding your particular vision insurance plan is critical to maximizing those benefits.

Use it or lose it. Vision insurance benefits do expire.

Depending upon the type of vision insurance plan you’ve enrolled in, your vision insurance benefits may expire annually. This means if you don’t “use it” you “lose it” until the next year. Since you are contributing your hard-earned money toward your vision coverage, there’s really no excuse to skip your annual eye exam or see your optometrist should you experience any changes in your vision.

What’s more, many of the defined contribution vision insurance plans (Flexible Spending Accounts in particular) don’t allow for your deposited money to roll over into the next year. If you don’t spend what you’ve allocated, you may be at risk of losing that money entirely.

Think beyond the traditional examination to a second pair of eyeglasses, prescription sunglasses, photochromic lenses, or eyewear that’s specifically designed to fit your lifestyle. All might be within ready reach if you maximize your vision insurance coverage.

Special thanks to the National Eye Institute, National Institutes of Health, for source material that aided in the creation of this website.

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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.