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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 (3/20/20)

As we all navigate the unprecedented pandemic facing our country, we would like you to know that the safety of our patients and our staff are of utmost importance to us as we simultaneously continue to care for your eye care needs.  For this reason, we have implemented an extremely rigorous sanitization program and have dramatically reduced the number of people and patient encounters in the office.  We will be open and continue to offer eye care services during this time under the following circumstances:

We will be available for any eye care service that either the patient or our office feels is of any sort of urgent nature.  (Examples could be eye infections, decreased vision, lost or broken glasses, sudden or recent change of vision or prescription, flashes or floaters, or any other reason that our patients feel they need to be seen.)  Patients may be asked to wait in their cars until we call each patient back to maintain adequate social distancing.  We will also ask each patient to wash their hands before being seen. 

We will not be seeing anyone with a fever, anyone that has been in contact with anyone who has been ill, or anyone who has traveled out of the country in the last two weeks.

We will extend contact lens prescriptions for a limited time and will offer free shipping to your home/office.

We will be available for glasses pick-ups by appointment only.  We will not be adjusting glasses at this time, but we do recommend coming back for adjustments once this situation clears.  We will also be happy to deliver them to your car.

Our office remains open with some adjustments to our hours and staffing.  We are here if you have any questions, concerns, or need to make any contact lens orders.  We will also continue to provide updates as the situation evolves.

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.