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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.

Dear Patients & Friends,

Per recommendations by the CDC and Governor Whitmer, we have closed the office for routine care for at least the next 2 weeks to help contain the spread of COVID-19. We are still here to support you with any eye emergencies or other vision related problems that can be handled while maintaining safe social distancing practices!

Please call us and leave a message if you have any questions or need assistance. I will review all messages and return your call within 24 hours. Things that we may still be able to assist with during this closure:

👓 Emergency visits (by appointment) for pain, infections, foreign bodies in the eye, double vision, loss of vision. PLEASE do not visit urgent care or the emergency room with these issues-they are already overwhelmed!

👓 We will ship directly to your home! For current patients, we may be able to extend expired contact lens prescriptions if needed. Please click to order directly.

👓 Eyeglasses/contact lens pick up: curbside pickup only by appointment. Porch delivery may also be an option if you are unable to leave your home.

👓 Eyeglass replacement or repair if no other vision correction options are available.

If you are able to, please consider supporting local small business, such as us, during this unprecedented time. My family has been enjoying take out dinners from our favorite local restaurants to help them weather this storm!

Most importantly, please be safe! Enjoy this unexpected time with your family. We care deeply for our patients and want to see you back for your eye care once this crisis is over!

Sincerely,

Dr. Luciana Dixon

x

Dear Patients & Friends,

Per recommendations by the CDC and Governor Whitmer, we have closed the office for routine care for at least the next 3 weeks to help contain the spread of COVID-19. We are still here to support you with any eye emergencies or other vision-related problems that can be handled while maintaining safe social distancing practices! Feel free to call us at 248-656-5055 or info@loptiqueoptometry.com, we will regularly be checking our messages.

Please call us and leave a message if you have any questions or need assistance. I will review all messages and return your call within 24 hours. Things that we may still be able to assist with during this closure:

👓 Emergency visits (by appointment) for pain, infections, foreign bodies in the eye, double vision, loss of vision. PLEASE do not visit urgent care or the emergency room with these issues-they are already overwhelmed!

👓 Ordering contact lenses: We will ship directly to your home! For current patients, we may be able to extend expired contact lens prescriptions if needed. Please click to order directly.

👓 Eyeglasses/contact lens pick up: curbside pickup only by appointment. Porch delivery may also be an option if you are unable to leave your home.

👓 Eyeglass replacement or repair if no other vision correction options are available.

If you are able to, please consider supporting local small business, such as us, during this unprecedented time. My family has been enjoying take out dinners from our favorite local restaurants to help them weather this storm!

Most importantly, please be safe! Enjoy this unexpected time with your family. We care deeply for our patients and want to see you back for your eye care once this crisis is over!

Sincerely,

Dr. Luciana Dixon