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4130 Truxel Road, Suite D Sacramento, CA 95834

4130 Truxel Road, Suite D Sacramento, CA 95834
916.928.8383

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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.

We are happy to announce that beginning May 11th, we will resume patient care!  Out of an abundance of caution, and guidance from various health agencies including the CMS, CDC, and CDPH, we will be following various safety protocols to protect the health and safety of our patients and staff.  The following protocols apply whether you are coming in for an eye exam, coming to pick out new glasses, or picking up glasses or contacts. Prior to entry there are 3 important steps:

1.  Bring your own mask: You must bring your own mask or face covering!  It is required to be worn at all times within the office (we are unable to provide masks from the office; if you do not bring a mask, we will have to reschedule your visit for a later date).

2.  Body temperature reading: Staff will be administering thermometer readings, and must be within normal range for entry into the office.

3.  Attest to good health: You must attest to good health, with no symptoms of fever, cough, shortness of breath, chills, sore throat, loss of taste/smell, and have not had contact with another person with COVID19 in the past 14 days.

 In addition, we will include limiting the number of patients in the office.  Therefore, you may be asked to call the office upon arrival, and may need to wait outside or in your car until you are called into the office.  Only patients will be allowed in the office (please have spouses, relatives, and friends wait outside of the office).  Exceptions include minors and dependents...may be accompanied by one adult parent or caretaker.

Sincerely,

The Natomas Optometry Team