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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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Coronavirus Update

To all our wonderful patients and others in need,

In light of the COVID-19 outbreak, both PEI’s Chief Health Officer and the Prince Edward Island College of Optometrists have recommended that non-urgent eye examinations cease for the time being.

In order to protect our patients, staff and the general public, we of course will follow this recommendation, starting Wednesday March 18, with a further review and decision on April 6th. However, we have no intentions of leaving our patients without eye care and will have one doctor in to see emergency patients each business day. We feel that to fail to provide emergency eye care would only add to the congestion at medical clinics and hospitals.

If you are experiencing any eye problems at all, please call us at 902-368-3001. Examples would include: sudden changes in vision, eye infections, a foreign body in an eye, flashes of lightning in your vision, new floaters in your vision, or broken glasses with no backup to get you by. Those are only to name a few. We will decide whether your situation is urgent in nature and book you in if it is.

We are here for you, even through this difficult time, but expect strict COVID-19 screening questions from our staff when you call.

If you have eyewear ordered with us, you will be receiving a call when it arrives as usual. The staff will make arrangements with you for pick up, however, like all else, we suggest waiting to pick up glasses until we are back to full operations. If you are in need of the glasses, we will arrange for you to pick them up. For contact lenses, any remaining balance will be requested over the phone to limit time and contact in the office and you can then proceed to pick them up. We are also still accepting orders. Some brands can even deliver directly to you. Others we will meet you at our office door with.

After lengthy discussion, we feel that routine adjustments are not essential services and at this time we would ask you refrain from coming in for that service. If you are in a painful situation with your glasses, or they require a major adjustment or repair, please call to discuss a solution.

Please everyone take care and try to carry out the advice being given on limiting the spread of this virus so we can all get back to the Island way of life we all love.