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Westwood, NJ 07675

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Home » Insurance » What’s in Your Vision Insurance Plan

What’s in Your Vision Insurance Plan

There are more options for vision insurance today than ever before. Whether your vision insurance plan is one you choose as an additional benefit in your employer health benefits package, or vision coverage you seek on your own through an insurance company or vision benefits provider, there are basics you should understand to make the most of vision insurance.

Understanding Vision Plans and Coverage

The options available to you in vision plans can be a little daunting. If you’ve chosen your vision insurance through your employer, your HR department and the insurance company literature—and websites—are a good place to start to understand what your vision insurance plan does and does not cover.
In general, there are two types of vision insurance plans:

Vision Benefits Package

Often purchased as an addition to traditional employer-provided healthcare, this type of vision insurance includes a fixed set of benefits related to eye health and maintenance, such as routine eye exams and testing, discounts for corrective eyewear, even benefits that reduce the cost of eye surgery. Vision insurance like this typically includes a network of participating eyecare professionals who have agreed to honor the plan particulars.

This type of vision insurance plan has evolved over the years to include more personalized choice for the consumer in the form of defined contribution vision coverage—where you, the consumer, choose the particular services and discount offerings based on what you expect your vision expenses to be.

Many of these vision plans involve using pre-tax dollars deducted automatically by your employer in the form of Flexible Spending Accounts, ‘Cafeteria’ Plans, Health Savings Accounts or Health Reimbursement Accounts. Each has particular tax advantages and drawbacks you should discuss in full with your vision plan administrator or provider, and if necessary, a tax professional.

Vision Discount Plans

While similar to traditional vision benefits, this type of vision insurance is generally less flexible than a vision benefits package because it offers flat discounts across the board for a wide menu of vision-related services, including specified discounts on eye exams, eyeglasses and contact lenses, even many surgical procedures.

You agree to pay the difference in cost in full—however these types of plans generally offer lower premiums than traditional vision benefit plans.
Vision insurance like this typically includes a “network” of participating eyecare professionals who have agreed to honor the stated discounts within the vision plan, so long as you agree to pay the difference.

Vision Insurance Planning

It may sound confusing at first, but you can plan to use your vision insurance to your maximum benefit by fully understanding what is specifically covered or not covered under your vision insurance plan, and by also discussing options with your eyecare professional to see how best to apply your particular vision coverage to your eyecare expenses.

This planning includes fully understanding any traditional health insurance coverage you may have. Unexpected eye injury, or the onset of certain eye diseases and their related treatments is often covered by your traditional health insurance rather than your specific vision insurance plan.

The point here is—it’s your vision insurance, your vision coverage—understanding your particular vision insurance plan is critical to maximizing those benefits.

Use it or lose it. Vision insurance benefits do expire.

Depending upon the type of vision insurance plan you’ve enrolled in, your vision insurance benefits may expire annually. This means if you don’t “use it” you “lose it” until the next year. Since you are contributing your hard-earned money toward your vision coverage, there’s really no excuse to skip your annual eye exam or see your optometrist should you experience any changes in your vision.

What’s more, many of the defined contribution vision insurance plans (Flexible Spending Accounts in particular) don’t allow for your deposited money to roll over into the next year. If you don’t spend what you’ve allocated, you may be at risk of losing that money entirely.

Think beyond the traditional examination to a second pair of eyeglasses, prescription sunglasses, photochromic lenses, or eyewear that’s specifically designed to fit your lifestyle. All might be within ready reach if you maximize your vision insurance coverage.

Special thanks to the National Eye Institute, National Institutes of Health, for source material that aided in the creation of this website.

IMPORTANT UPDATE #5: PLEASE READ ENTIRE MESSAGE

Valley Eye Associates is happy to announce that as of now, our office is open!

We will be operating on different office hours while keeping safety in mind.We are currently available Monday – Friday between the hours of 9:00 AM – 4:30 PM.

Below are the safety protocols that have been put in place for all visiting patients:

  1. All equipment is cleaned with 70% isopropyl alcohol before and after each use. Examination chairs are disinfected using a virucidal spray before and after each patient. All high touch surfaces are constantly disinfected with virucidal solution.
  2. A protective plastic shield has been installed at the front check in area.
  3. Upon arrival each patient will need their temperature checked with a non-contact thermometer and blood oxygen level taken with a pulse oximeter.
  4. Each morning staff will also undergo temperature and blood oxygen screenings.
  5. We will use our online check-in form as well as requiring any insurance cards or documents to be sent to us via text/email.
  6. All payments can be made with credit card by phone.
  7. All visitors will be required to wear a face covering or mask at all times. You will not be allowed to enter without wearing one.
  8. All pick-ups, adjustments, and other visits will require an appointment time. This is needed so that we know when to expect you and can distance you from anyone else.
  9. We will schedule gaps in between each patient to avoid any overlap between patients. Please come at your scheduled time. If you arrive too early you may have to wait in your car. If you arrive too late for us to perform the necessary tests for your exam you may have to be rescheduled.
  10. A maximum of 2 people will be allowed into the office.
  11. Frames that are tried on must be put into a separate box. Frames are disinfected by saturating in a 3% hydrogen peroxide solution for a minimum of 10 minutes, dried, and then stored for 3 days before being put on display.

Our staff will be reaching out to patients whose appointments were canceled to help them reschedule.Feel free to call us at 201-664-0847 during our business hours or visit our website at www.2020nj.com to reschedule your appointment.

Thank you.