A vision insurance policy is not the same as health insurance. Regular health insurance plans protect you against financial losses due to unexpected eye injuries or disease. Vision insurance, on the other hand, is a wellness benefit designed to provide routine eye care, prescription eyewear and other vision-related services at a reduced cost.
Because we provide both medical and routine eye care, we accept a number of insurance plans to help cover the cost depending on your individual needs. Here are just some of the plans that we accept:
Medical Plans We Accept
Vision Plans We Accept
We do accept other plans as well, so if you do not see your plan listed here, please give us a call and we would be happy to assist you. Our staff is also always available to answer any questions regarding your benefits.
FAQs of Vision Insurance Plans
How and Where Does One Obtain Vision Insurance?
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?
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?
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.
As a service to our patients, we are pleased to offer the CareCredit card, the nation’s leading patient payment program. CareCredit lets you begin your procedure immediately—then pay for it over time with low monthly payments that are easy to fit into your monthly budget. So, you can begin your vision care today and conveniently pay with low, monthly payments. CareCredit offers a comprehensive range of No Interest and Extended Payment Plans.
No Interest Payment Plans
- No interest if the balance is paid within the specified time period
- Low minimum monthly payments
- 24, 36, 48 & 60 month plan options
- For procedure fees from $1,000 to over $25,000
- 14.90% interest rate
With CareCredit, you pay no up-front costs, no pre-payment penalties and no fees. Plus, CareCredit is a revolving credit line for additional treatment or add-on charges, without the need to re-apply. It only takes a few minutes to apply for CareCredit and you may receive an online decision in seconds!
Apply now or see our staff for more details.