Skip to main content

4130 Truxel Road, Suite D Sacramento, CA 95834

4130 Truxel Road, Suite D Sacramento, CA 95834
916.928.8383

pic_3
1__Panamic_natomas_optometry___homepage1.png
slideshow1.png
Homepage_Banner_slideshow___should_be_already_cropped_to_size
5___looking_at_glasses___homepage1.png
Home » Insurance » Questions & Answers About Vision Insurance

Questions & Answers About Vision Insurance

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.

Running low on contacts? If you need to order contacts, we are authorizing one-time prescription extensions for up to a 6 month supply order when ordered through our office or online store.

Three ways to order:

1.    Continue to our website at www.NatomasOptometry.com and click the “ORDER Contacts” button

2.    Come into the office and one of our team members can assist you

3.    Call us at 916-928-8383

Limited hours for glasses and contact lens pickup only, effective April 1st, 2020:

·        Monday - Friday:  9am to 1pm (closed on Saturday and Sunday)o   Open hours are only for pickup of glasses and contact lenses.   These hours are subject to change.   In order to protect the health of our patients and staff and to comply with social distancing, we will not be doing any frame adjustments until we fully reopen.   In addition, for security reasons, we have removed all of our eyeglass frames from the boards, so they will be unavailable for purchase until we are able to fully reopen

A message to our patients

Due to recommendations and restrictions from the Center for Disease Control, California OptometricAssociation, American Optometric Society, and County of Sacramento, and to protect the health of our patients and eye care team, we have made the difficult decision to cancel all appointments until at least the second week of April.  However, due to the uncertainty and fluidity of the COVID-19crisis, this is subject to change.  We will still try to remain open for limited hours for our patients to pick up glasses and contact lenses, but this is subject to change as well.  Any updates as to appointment availability and changes to open hours will be posted on our website at www.natomasoptometry.com.

Our hearts go out to everyone who has already been impacted by COVID-19 and we encourage our friends everywhere to take the extra precautions necessary to safeguard their health and that of others. It is our communal responsibility to help stop the spread of this virus.  Thank you for your patience and understanding in this time of uncertainty.  We value your decision to entrust us with your eye care needs, and we will strive to keep this a safe environment for patients and staff.  Please stay safe and healthy!

Sincerely,

The Natomas Optometry Team