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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.

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Pelham Vision Center will be temporarily reducing our services to urgent and medically necessary eye care as of Monday, March 23 and effective until further notice. These changes are due to recent CDC recommendations and are designed to protect our patients, as well as our doctors and staff. We will be calling you to reschedule appointments for routine eye care.

* We will be answering our phones Monday through Thursday from 8:30 am to 4:00 pm, and Fridays 9:00 am until 2:00 pm. Please call with any concerns about your eyes or vision at 864-627-0634.

* Our doctors will be available to evaluate sudden changes in vision, vision loss, injuries, red eyes and other emergency eye care.

* Post-operative patients on the schedule will be seen per normal post-operative protocol

* Contact lens orders and medication refills can be handled over the phone. We are now offering free shipping for contact lenses sent to your home.

* If you are coming to the office for an appointment or to pick up an order, please call or text us when you reach the parking lot. We’ll come to you for service!

* If your eyewear needs repair, service or replacement, our opticians will also be available to assist you as well

Rest assured; we are still here for you. As always, if there are any questions please do not hesitate to reach out to us. Our office number is 864-627-0634.