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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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Due to the global COVID-19 outbreak, the CDC is recommending postponing all routine care. Therefore, we have made the necessary decision to close our offices as of April 3rd. We anticipate reopening on Monday, May 4th; although this may change as we continue to monitor the situation.

If you have an eye emergency, please text Dr. David Bjork at 262-705-6958 with your name, primary office information, and a brief description of the issue. He will then be able to access your record and return your call; it will be determined at that time if you need to be seen in-office or if a telemedicine visit is possible.

If you need to order contacts, please call the office at 262-567-2295.

Your lenseswill be shipped directly to you. We will be able to extend expired contact lens

prescriptions in most cases.

We will be available to dispense glasses in emergent situations only by the way

of curbside pickup on Mondays and Thursdays from 2-5PM in Oconomowoc,

Tuesdays and Fridays from 2-5PM in Watertown, and Wednesdays from 2-5PM

in Pewaukee. We will not be available for adjustments or repairs until further notice.

You can call and leave non-urgent messages on the office voicemail; we will do our best to get back to you as soon as we are able.

If your glasses are broken or lost, please call or email us. We should be able to order you a replacement pair.

If you need a medication refill, please have your pharmacy contact us.

We deeply apologize for any inconvenience and thank you in advance for your patience.

Sincerely, Oconomowoc Vision Clinic, Pewaukee Vision, & Watertown Vision