Skip to main content

Your Family Eye Care Center – Located in the plaza of Walgreens & JCPenney

contact_lens_on_finger
girl%20with%20blue%20eyes%20in%20black%20and%20white%20coat%20slide.png
woman_machine4
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.

In the wake of the latest recommendations from the Center for Disease Control and the World Health Organization, we wanted to make you aware of new procedures taking place at Maple Grove Vision Clinic, effective immediately.

HOURS OF OPERATION: We will be open Monday to Thursday 12PM -4PM and we will be closed on Fridays. If you currently have a scheduled appointment outside those hours, our staff will contact you to see how we can best meet your needs.

EMERGENCY VISION ISSUES: It’s extremely important not to neglect your vision needs during this time, so please don’t hesitate to call to schedule an appointment during the above hours in the event of injury, redness, discharge, possible infection, etc.

ROUTINE APPOINTMENTS: Currently, we are scheduling for routine exams for *after* April 6th. If you have a routine appointment already scheduled between now and April 6th, our staff will be contacting you to discuss your needs and how we can best meet them.

GLASSES OR CONTACTS (PREVIOUS ORDERS): You’ll get a call from our front desk (as always) when your glasses or contacts are ready for pickup, and you can stop in during our open hours (above) to pick up your orders. We can arrange free shipping as needed, although glasses are always best when we can fit them to you, in-person. Please call to discuss options.

NEED MORE CONTACTS? We need your business in order to stay in business, and we’re happy to re-fill orders for contacts and ship directly to your home for free.  Just call during our business hours to order or you can also go to our website www.maplegrovevisionclinic.com to order as well.

HOW TO REACH US: Call 763-420-8030 during business hours, or email us at drfrick@maplegrovevisionclinic.com

The health and safety of our patients has always been a top priority. As a reminder, here are the actions we take whenever a patient is in our office:

ONGOING SAFETY MEASURES:

NEW SAFETY MEASURES:

HOW YOU CAN HELP:

Please do not come in to our office if you’ve traveled out of the country in the last 14 days, have any symptoms of flu-like or respiratory illness, or have had known contact with anyone who has exhibited such symptoms or tested positive for the coronavirus. As noted above, we are happy to ship any orders directly to your home, or work with a family member to make sure your vision needs are being met.

We will continue to give (and follow) recommendations based on the evidence we have on safe delivery of eye care in a time of uncertainty.  We appreciate your continued support and understanding.

Sincerely,

Dr. Scott A. Frick and staff at MGVC

x

Dear Patients- Our hours during this medical emergency are: Monday to Thursday 12PM -4PM and we will be closed on Fridays.

We are sorry for any inconvenience this may cause.