Vision Insurance Accepted:
- Superior Vision
- Versant Health
If you believe you have vision insurance through your medical insurance provider, please check with them to see who they visually contract with.
Our staff can help answer any questions regarding your vision benefits.
In many cases, vision insurance can lower annual expenses of the cost of prescription eyewear & standard eye exams.
Vision insurance policy is not the same plan as a medical only insurance plan. General medical health insurance protects you from financial loss due to eye injury or disease. Vision insurance provides routine eye care, eyewear prescriptions and other vision-related wellness services at a reduced cost.
Vision Insurance Plans: Frequently Asked Questions (these are general Vision Insurance Questions. Not specific to All Eyes On Me Optometry.
Please contact us with any questions about the specific plans we are contracted with and their policies.
What is the best way to get vision insurance and where can you get it?
Individuals can purchase a vision insurance plan. You may be able to get vision insurance through your place of employment, school district, or through government-sponsored programs such as Medicare or Medicaid.
Indemnity health insurance is a type of traditional insurance that allows policyholders to choose their own medical providers. Indemnity health insurance plans, health maintenance organization (HMO) plans, and policies offered by preferred provider organizations frequently include vision insurance as a value-added benefit (PPOs).
A health maintenance organization (HMO) requires its members to use only HMO providers for medical care. HMOs offer cheaper health-care services to their members. HMOs bring together a variety of health-care providers, including doctors, laboratories, and hospitals.
A PPO is a group of health-care specialists who join together to provide discounted health-care services to their members. Members of the plan may use out-of-network providers, but they will typically pay extra for the services they receive.
What does vision insurance cover?
The following services and products are commonly included in standard vision insurance:
- Eye exams
- Contact lenses
- Eyewear lenses & frames
- Discounts on LASIK and PRK eyesight correction
Services obtained via network providers are typically less expensive than services obtained from out-of-network suppliers.
Are there any payment options available?
If your business offers group vision insurance, you can pay for it through payroll deductions or flexible spending accounts.
A flexible spending account, often known as a FSA or “cafeteria plan”, allows an employee to purchase certain health products and services such as vision insurance with pre-tax cash. This plan saves you money because you get the full amount spent on medical expenses, which is not subject to taxes.
You might expect to be invoiced monthly or annually if you are self-employed or if your company does not provide vision insurance.
What Are the Different Types of Vision Insurance Plans?
A discount vision plan or a vision benefits package are the two types of vision insurance.
After paying an annual premium or membership fee, as well as a deductible, a Discount Vision Plan provides eye treatment at predetermined discounted rates.
Vision Benefits Package — A vision benefits package typically includes an annual premium or membership cost, a yearly deductible for each registered member, and a co-pay for each service used.
Discount vision plans and vision benefits packages are tailored to satisfy the needs of a diverse variety of consumers, including unions, large, medium, and small businesses, and school districts.