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Home » Insurance » Questions & Answers About Vision Insurance

Questions & Answers About Vision Insurance

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.

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.

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To our valued patients,

At The Eye Doctors, Inc. the health and well-being of our patients is at the core of everything that we do. In light of the rapidly changing situation and the spread of COVID-19 we made the difficult decision to close the clinic on Tuesday, March 17 th.

At this time, the Wal-Mart Vision Center remains open limited hours for urgent glasses repairs, pick-ups of existing orders and new contact lens orders. The vision center is open every day from 10 AM to 2 PM and on Tuesdays from 6 AM to 2 PM, with the hour of 6 AM to 7 AM reserved for senior citizens. New orders of contact lenses can be placed in-store or over the phone at 952-829-9024 and will be shipped directly to your home.  Additionally, you may order contact lenses at www.walmartcontacts.com

If you are experiencing an eye emergency, please call 952-955-4427 to leave a message for one of the doctors. Messages will be checked Monday through Saturday from 9 AM to 5 PM.

We are monitoring the situation closely and will re-open when it is safe to do so. We look forward to seeing you when things improve and thank you for your continued support of our practice. Please continue to our website for further information.

Dr. Melissa Viker & Dr. Britt Gustafson

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The Eye Doctors, Inc. COVID-19 Information:

Our clinic closed on March 17th and will remain closed until it is safe to re-open.  Please watch our website and Facebook page for updates.

Urgent or Emergent Eye Concerns

If you have an eye emergency, we are here to help.  Please call 952-955-4427 and one of the doctors will return your call.  The messages are monitored Monday through Saturday between 9 AM and 5 PM.  Eye emergencies include (but are not limited to): eye pain, a recent onset of redness in one or both eyes, flashes of light or sudden onset of new floaters, double vision, and sudden change/worsening of vision in one or both eyes.

Glasses and Contact Lens Orders:

The Wal-Mart Vision Center is open daily at this time from 10 AM to 2 PM and 6 AM to 2 PM on Tuesdays for limited services. The hour of 6 AM to 7 AM on Tuesdays is reserved for senior citizens.  One optician is on duty to provide urgent glasses repairs and adjustments; at this time no new orders for glasses are being accepted. Existing orders of contact lenses and glasses may be picked up from the vision center.  New orders of contact lenses can be placed in store and will be shipped to your home if we do not have the lenses in stock. Additionally, you may order contact lenses at www.walmartcontacts.com

Contact Lens Safety

There is no evidence that contact lens wearers are at greater risk for a Corona Virus infection, per the American Optometric Association Cornea and Contact Lens Section.  Please follow the below tips:

  • Wash and dry your hands thoroughly before handling contact lenses
  • Avoid using contact lenses if you are ill with any cold or flu-like symptoms
  • Reduce your risk for infection by avoiding sleeping, napping, swimming or showering in contact lenses
  • Replace your contact lens case every 2 months
  • Use fresh contact lens solution each time you store your lenses
  • Do not reuse single-use/daily disposable lenses