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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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Dr. Inns is a 1982 graduate of the University of Houston College of Optometry. He holds a Bachelor of Science degree from Wilfred Laurier University, Canada. During his training at the University of Houston, he held positions in research and was a teaching assistant / laboratory instructor.

Postgraduate work includes therapeutic courses at Pennsylvania College of Optometry and the Optometric Glaucoma Specialist Course at the University of Texas Medical School. Dr. Inns has published in Optometry Today and Optometric Management. He also volunteers at the schools in his area.

Dr. Inns and his wife, Lynn, spend much of their spare time calling and visiting with their four boys.

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Amber Draper, Manager

As the manager of The Woodlands office, Amber Draper leads the team with the focus on patient care and assisting with their ophthalmic needs. Having over 10 years experience, Amber can aid patients with the most appropriate lens technology to match their daily needs. Everyone needs at least one pair of sun wear, especially here in Texas.

Amber is a proud graduate of Sam Houston State University with a BA in History, and a minor in Spanish.

In her spare time, she is with family, friends, and enjoying some Houston Texans Football.

Dr. Toups is a 1984 graduate of the University of Houston College of Optometry. He has a Bachelor of Science degree in Pharmacy from Northeast Louisiana University.

Being a therapeutically licensed optometrist, Dr. Toups is trained to diagnose and treat ocular conditions. He specializes in contact lenses and he is current with all refractive surgery procedures.

Dr. Toups is married, has five children and has lived in the Houston area since 1980.