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Home » Eye Care Services » Your Eye Health » Vision Insurance » What is Vision Insurance?

What is Vision Insurance?

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.

Where can I get vision insurance?

Group vision insurance can be obtained through your company, association, school district, etc., or through a government program such as Medicare or Medicaid.

Also, as an individual, you have the option of purchasing your own vision benefit plan.

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):

  • Indemnity health insurance is traditional insurance, which allows policyholders to access medical providers of their choice.
  • An HMO is a group of healthcare professionals – doctors, laboratories, hospitals and the like – employed to provide health care services to plan members at discounted rates. Usually, health plan members are required to access health care only from HMO providers.
  • A PPO is a network of healthcare professionals organized to provide healthcare services to plan members at a fixed rate below “retail” prices. Plan members may opt to access out-of-network providers, but usually at a greater cost.

What kinds of vision insurance plans are available?

Vision insurance typically comes in the form of either a vision benefits package or a discount vision plan.

Typically, a vision benefits package provides enrollees eye care services in exchange for an annual premium or membership fee, a yearly deductible (a dollar amount) for each enrolled member and a co-pay (a smaller dollar amount) each time a member accesses a service.

A discount vision plan provides eye care at fixed discounted rates after an annual premium or membership fee and a deductible are paid.

Both kinds of vision insurance can be custom-designed to meet the different requirements of a wide range of customers, including school districts, unions, and big and small companies.

What does vision insurance cover?

Vision insurance generally covers the following services and products:

  • Annual eye examinations
  • Eyeglass frames
  • Eyeglass lenses
  • Contact lenses
  • LASIK and PRK vision correction at discounted rates

Generally, services acquired from network providers are cheaper than services from out-of-network providers.

What are my payment options?

Typically, if group vision insurance is available from your employer, you pay for it through payroll deductions or flexible spending accounts (FSAs).

An FSA, sometimes called a cafeteria plan, allows an employee to use pre-tax dollars to purchase selected health benefits such as vision insurance. You save 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 purchase an individual vision insurance plan because your employer doesn’t offer a group plan (or because you are self-employed), you can expect to be billed monthly or annually.

 

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Our office will be opening on Monday, May 18th. We will be following all CDC guidelines as well as those recommended by our National and State Organizations including the KOA and AOA as well as the Governor of Kentucky. We will be adding to our protocol to ensure the safety of our patients and staff. Due to the recommendations, we are following, all patients will need to call from the parking lot when they arrive. We will ask you if you are running a fever, or have symptoms of COVID-19. We may even take your temperature to keep for our records. We will ask that you remain in your car until we notify you to come to our office.

All patients entering the building must wear a mask or face covering.

We ask for your patience over the next few months as we work to get our patients rescheduled that had to be canceled during the closure. We will not be working at full capacity for some time and realize this will most likely cause delays in getting people rescheduled. We will also not be taking walk-in patients and ask that you please call if you need to be seen to set up an appointment. Please know that we are doing everything we can to take care of our patients during these difficult times.

You now can order contacts from the convenience of your home on our website by clicking here.
If you do not know your current prescription, please email us at dr.glenn0180@gmail.com or call us at 859-271-6194.
If you have insurance you would like to use, you will need to call us and we will be happy to place the order for you and submit it to your insurance.

Thank you and we look forward to seeing you all soon,

Dr. Jason Glenn and Staff