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8220 Louetta Road, Suite 112
Spring, TX 77379

281-370-2020
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Home » Insurance » FAQs of Vision Insurance Plans

FAQs of Vision Insurance Plans

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.

A 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.

Klein Eyecare update for COVID-19

Our office is re-opening to routine eye care!

Starting Friday, May 1, we are opening our office to routine care and continuing to help our patients with urgent and emergent needs.

Reduced appointment availability: Please be patient with us as we work you into our schedule. We will be decreasing the number of appointments available to decrease the number of people in the office and maintain a safe environment. You will also need an appointment to be seen in the optical

Enhanced sanitation protocols: We have implemented rigorous sanitization protocols for our entire office, both on the clinic side and in the optical.

Requirement prior to entry into our office: Everyone must wear a mask or face covering. Your temperature will be taken prior to entry, so please call us when you arrive for your appointment. If you have a cough or sore throat, have been out of the state in the last 3 weeks, or have anyone whois in your home who is in quarantine, please wait to schedule your appointment. Please understand that no exceptions can be made to these requirements-these protocols are set by Federal, State and Local authorities. No guests are allowed in with each patient unless they are a caregiver or a minor.

Thank you for your patience and understanding!

Richard L. Scott, O.D.

Grant W. Gibson, O.D.

Lance B. Abernathy, O.D.

Regards,

Richard Scott, OD

Grant Gibson, OD

Lance Abernathy, OD


Do you have enough contacts???

With the day to day changes surrounding COVID-19, we know that many of you may be concerned that you have enough contact lenses. With that being said if you are a contact lens wearer and currently have less than a 3 month supply left, we highly recommend that you place an order now. We will ship them directly to you at no charge.  We will extend contact lens prescription expiration dates as needed. 

Call 281-370-2020 to place your order.