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401 W. Whitestone Blvd. Ste B-200, Cedar Park, Texas 78613

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Home » Eye Care 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 in some way, shape or form, you are contributing your hard-earned money toward your vision coverage, there’s really no excuse to skip your annual eye exam, or get “checked out” should you experience any changes in your vision.
 
What’s more, many of the defined contribution vision insurance plans (using Flexible Spending Accounts or Health Savings 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—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.  

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Welcome to Texas State Optical Cedar Park

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401 W Whitestone Boulevard, Bldg B200
Cedar Park, TX 78613

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401 W Whitestone Boulevard, Bldg B200
Cedar Park, TX 78613
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Our Reviews

Very good experience. Top notch service from the beginning to the end. I found my new eye doctor and staff. Very pleased.
2 months ago
5
- Gabe G.
eye doctor's office
Excellent service
2 months ago
5
- Nancy H.
eye doctor's office
A perfect balance of professionalism and friendliness--Dr. Yonker and his team are exceptional!
2 months ago
5
- Sherry S.
eye doctor's office
The ladies at the front desk are very polite and helpful. Doctor Jeffrey is a friendly guy; he is passionate about his work.
2 months ago
5
- James W.
eye doctor's office
Great Doctor of Optometry. Knowledgeable, personable. Office Team very customer friendly. My appointment was close to noon so one of the office team was out for her lunch break-The young lady who also assists with the optical department and the equipment portion of the exam-(the preliminary stuff) handled the front desk with the incoming patients, the phones, and greeting etc. until the other young lady returned. The Optometrist did my eye photos and measurements himself as his assistant really could not leave her post while flying solo— to perform them at my particular appointment time. There’s a wide range of lenses and eyeglass frames to choose from. They are a little on the high side compared to discount stores but they do have several selections that start at $139 for the frames and they have many options on the lenses so you can get the very highest grade carbon lenses or you can choose something a little less costly. They do take many insurances and they do file them for you so that’s a huge benefit. I’ll be going to pick up my new glasses in about a week and I’ll follow up at that point. If you have any medical issues they also will take you and see you for those and they will bill your insurance on the medical side and they do accept Medicare-.I will clarify but I’m sure that diabetics would be covered under Medicare for their services. To reiterate, Dr Yanker was very personable and took quite a bit of time with me. .
3 months ago
4
- Susan W.
eye doctor's office
Dr. Yonker is fantastic and so welcoming! Would recommend to everyone!
3 months ago
5
- Coach A.
eye doctor's office
Quick and efficient- I felt welcomed by the whole team- Mallory, Dr. Yonker and the lady that helped check me in and out of the office (I didn’t catch her name, unfortunately.)
3 months ago
5
- Caroline R.
eye doctor's office