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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.

It’s that time of year!

Did you know? Novelty contact lenses found over the counter are actually being sold illegally. Novelty contact lenses actually increase the risk of infection by 16 times and can result in permanent vision loss.

Here at TSO Bandera we want you to have the perfect Halloween costume with the perfect spooky contact lenses to match! We also want to make sure your Halloween lenses are fit just right to ensure you’re eyes are kept healthy and happy!

Ask your doctor about specialty fittings for these fun lenses. Order your Halloween contact lenses by October 16th to have them in time for Halloween.

halloween contact lenses bandera

Call for an Appointment, We are open!

We are making special arrangements with the current public health concerns. When you call Texas State Optical, we will space your appointment time to be mindful of social distancing and your personal comfort.

We kindly ask that you hold off on scheduling your appointment if…

  • You have traveled by plane in the last 3 weeks.
  • You have traveled out of the state or country in the last 3 weeks.
  • You are currently feeling ill or are having symptoms such as cough, fever, sore throat, ect.

Please call us in advance with any questions.

If you are a contact lens wearer with less than a 3 month supply, we encourage you to call in and place your orders to help avoid any possible future delays. Free shipping to your home address will be given with a 2 box purchase minimum.

When you schedule your eye exam appointment, you can have the extra confidence that you will be safe and comfortable at Texas State Optical.

Schedule an Appointment