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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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Limited Office Hours under Emergency Guidelines Coronavirus-19

Phone: 812-3663147

Emergency Contact: 888-815-5849

We continue to remain open for our Emergency Patients at InSight EyecareNew office hours effective April 6th during the Coronavirus-19 pandemic.

Monday 8:00 a.m. – 2:00 p.m.

Tuesday 12:00 p.m. – 7:00 p.m.

Wednesday 8:00 a.m – 2:00 p.m.

Thursday 8:00 a.m. – 3:00 p.m.

Friday 8:00 a.m. – 3:00 p.m.

•Public Health Reminder from the CDC and the Indiana Optometric Association.Healthcare/Eyecare facilities and clinicians should prioritize urgent and emergency visits and procedures now and for the coming several weeks. The following actions can preserve staff, personal protective equipment, and patient care supplies; ensure staff and patient safety, and expand available hospital capacity during the COVID-19 pandemic:

•Reschedule elective and non-urgent admissions

•Delay inpatient and outpatient elective surgical and procedural cases

•Postpone routine eye care visits: we are placing patients on a call list for 4 weeks out.

Emergency Eye Care as follows:

How does this impact your eye care?

•Emergency Care: We are available to see you

•If you feel you may have an eye infections

•If you have macular degeneration and feel that your vision has changed•If you think you may have if you something in your eye

•If you have advanced glaucoma

•If you recently had eye surgery and are scheduled for a follow-up visit if you are referred by your primary care doctor.

What can you expect when you come to the office? What if you have an emergency?

•Social Distancing: we ask that only the patient come into the office and any necessary caregiver or parent

•Distance Thermometer takes temperature 6 inches away. Stop by FrontDesk for a scan. Each patient and staff will be tested prior to admitting. Mask and gloves may be used during the examination.

•Emergency contact # is : 888-815-5849

•Doctors on-call: Will return call and discuss care options•Current Office Hours may continue to change as we continue to change as things develop from the CDC and Indiana Optometric Association.

•Call our office for questions or clarification 812-366-3147 or Emergency # 888-815-5849