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Located on W. Drake Rd. in Ft. Collins West of Colorado State University Veterinary Teaching Hospital

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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.

As of Tuesday evening, March 17th, the CDC has recommended that all routine eye care be deferred until further notice, in order to slow the transmission of COVID-19 through our community. We will follow their recommendations and close our office to regular eye exams until further notice.

Please be assured that we are still available to triage all urgent and emergent issues as well as help you with routine matters during this challenging time.

What does this mean?

1) If you are scheduled for an annual eye examination our office will contact you to reschedule
2) If you need to replace glasses or contact lenses and need an extension on your prescription, please contact us and we will assist you in obtaining some until you can come in for a visit.
3) If you are running out of medication please contact us and we can transmit a refill electronically to your pharmacy.
4) If you have an ocular emergency we are, as always, available to help you at any time. Call us at 970-221-4811.
5) If you have an issue that cannot wait for an office visit, contact us and we will schedule a FaceTime, Skype or telephone appointment with one of our doctors. Medicare has temporarily relaxed its telehealth rules to allow this type of communication during the pandemic crisis. Other insurers may follow suit and allow for reimbursement of virtual care costs. The consultation must be initiated at your request.
6) During this period of social distancing and quarantine, we must all do our part by restricting activities outside the home except for getting medical care. Do not go to work, school, or public areas. Avoid using public transportation, ride-sharing, or taxis.
7) Please remember that 80% of COVID-19 cases are mild and resolve within a week. However, if you feel your symptoms are worsening, call ahead before visiting your doctor’s office or emergency department and tell them you have or may have COVID-19. This will help the office protect themselves and other patients.

The CDC has many wonderful resources. Arming yourself and your family with clear information will help you avoid undue stress.https://www.cdc.gov/coronavirus/2019-ncov/prepare/prevention.html https://www.cdc.gov/coronavirus/2019-ncov/prepare/managing-stress-anxiety.html

We have asked our staff to stay home until further notice to protect them, our patients, our city, our nation, and our planet. Despite the financial and emotional hardships this will cause, we ask every one of you to do the same.

Together we will weather this storm.

With sincerest wishes for your continued good health, we remain at your service,

Eyecare Associates