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Home » Insurance » What’s in Your Vision Insurance Plan

What’s in Your Vision Insurance Plan

There are more options for vision insurance today than ever before. Whether your vision insurance plan is one you choose as an additional benefit in your employer health benefits package, or vision coverage you seek on your own through an insurance company or vision benefits provider, there are basics you should understand to make the most of vision insurance.

Understanding Vision Plans and Coverage

The options available to you in vision plans can be a little daunting. If you’ve chosen your vision insurance through your employer, your HR department and the insurance company literature—and websites—are a good place to start to understand what your vision insurance plan does and does not cover.
In general, there are two types of vision insurance plans:

Vision Benefits Package

Often purchased as an addition to traditional employer-provided healthcare, this type of vision insurance includes a fixed set of benefits related to eye health and maintenance, such as routine eye exams and testing, discounts for corrective eyewear, even benefits that reduce the cost of eye surgery. Vision insurance like this typically includes a network of participating eyecare professionals who have agreed to honor the plan particulars.

This type of vision insurance plan has evolved over the years to include more personalized choice for the consumer in the form of defined contribution vision coverage—where you, the consumer, choose the particular services and discount offerings based on what you expect your vision expenses to be.

Many of these vision plans involve using pre-tax dollars deducted automatically by your employer in the form of Flexible Spending Accounts, ‘Cafeteria’ Plans, Health Savings Accounts or Health Reimbursement Accounts. Each has particular tax advantages and drawbacks you should discuss in full with your vision plan administrator or provider, and if necessary, a tax professional.

Vision Discount Plans

While similar to traditional vision benefits, this type of vision insurance is generally less flexible than a vision benefits package because it offers flat discounts across the board for a wide menu of vision-related services, including specified discounts on eye exams, eyeglasses and contact lenses, even many surgical procedures.

You agree to pay the difference in cost in full—however these types of plans generally offer lower premiums than traditional vision benefit plans.
Vision insurance like this typically includes a “network” of participating eyecare professionals who have agreed to honor the stated discounts within the vision plan, so long as you agree to pay the difference.

Vision Insurance Planning

It may sound confusing at first, but you can plan to use your vision insurance to your maximum benefit by fully understanding what is specifically covered or not covered under your vision insurance plan, and by also discussing options with your eyecare professional to see how best to apply your particular vision coverage to your eyecare expenses.

This planning includes fully understanding any traditional health insurance coverage you may have. Unexpected eye injury, or the onset of certain eye diseases and their related treatments is often covered by your traditional health insurance rather than your specific vision insurance plan.

The point here is—it’s your vision insurance, your vision coverage—understanding your particular vision insurance plan is critical to maximizing those benefits.

Use it or lose it. Vision insurance benefits do expire.

Depending upon the type of vision insurance plan you’ve enrolled in, your vision insurance benefits may expire annually. This means if you don’t “use it” you “lose it” until the next year. Since you are contributing your hard-earned money toward your vision coverage, there’s really no excuse to skip your annual eye exam or see your optometrist should you experience any changes in your vision.

What’s more, many of the defined contribution vision insurance plans (Flexible Spending Accounts in particular) don’t allow for your deposited money to roll over into the next year. If you don’t spend what you’ve allocated, you may be at risk of losing that money entirely.

Think beyond the traditional examination to a second pair of eyeglasses, prescription sunglasses, photochromic lenses, or eyewear that’s specifically designed to fit your lifestyle. All might be within ready reach if you maximize your vision insurance coverage.

Special thanks to the National Eye Institute, National Institutes of Health, for source material that aided in the creation of this website.

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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