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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.

Dear valued patient,

We take our commitment to keeping our patients and team safe and healthy inthe midst of this COVID-19 pandemic very seriously. We want to share our plan to comply with social distancing guidelines for your upcoming appointment. Please carefully read the steps below and follow our direction when you arrive. Our team will all be wearing masks and we ask that you bring one with you to wear during your visit (for everyone’s safety, we are requiring staff and patients to wear masks).

We ask patients to complete necessary paperwork online if possible. Click here to access the forms. You may also choose to text a photo of your insurance card and photo ID to the clinic at 763-537-3213.

When you arrive for your appointment, enter the main doors and wait in the front alcove until a staff member greets you. Our front desk team will ask you general health questions to rule out the presence of COVID-19 symptoms.

We are asking that only the patient enter the building for the exam. (Exceptions: Children under 18 may be accompanied by one guardian, and adults with special needs may be accompanied by one caretaker.)

When you enter the building:

Staff will ask you to use hand sanitizer and then you will complete any necessary paperwork that you were not able to complete online, and we will make copies of your insurance card and photo ID if you did not text a picture of them to us.

Prior to seeing your doctor, a technician will escort you to a pre-testing room where you will be asked to wash your hands. We ask that you follow the CDC’s recommendation of washing your hands thoroughly, for a full 20seconds, with soap and water.

Rest assured that every surface and every piece of equipment you come into contact with has been sanitized prior to the arrival of each and every patient entering our practice, and it will be cleaned again as you exit each area.

The team will be frequently washing their hands between interactions as per our usual protocol, and you’ll also see hand sanitizer throughout the practice for your use, as well.

Optical – Shopping for Glasses, Adjustments and Repairs, and Glasses Pick-up

We are scheduling appointments for all optical needs. Please call the clinic at 763-537-3213 to schedule your appointment.

When you are shopping for glasses, one of our ABO certified opticians will ask you to be seated at a station where you will discuss your needs, likes and dislikes. To ensure social distancing, the optician will bring frames to you so you can try them on at the station. The optician will continue to bring frames to you until you find the perfect pair!

We sterilize every frame a patient touches in a UV Cleaning Unit after a shopping appointment so you can be assured any frame you try on has been sanitized prior to your visit.

If you have any questions or concerns, please don’t hesitate to call us. We look forward to seeing you!

Thank you for your patience and cooperation,

Your Crystal Vision Clinic Eye Care Team

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We sterilize every frame a patient touches in a UV Cleaning Unit after each shopping appointment so you can be assured any frame you try on has been sanitized prior to your visit.