We've Got You Covered
Knowing the difference between vision insurance and medical insurance is important. Vision insurance is intended to reduce the costs of regular eye exams, eyeglasses, sunglasses, and contact lenses. Medical insurance safeguards people from financial burden related to eye related injuries or diseases such as glaucoma, cataracts, diabetes-related eye issues, macular degeneration, ocular pain, vision loss or other medical problems.
Taking out both types of insurance can benefit you and your family, providing complete eye care for both preventive and medical needs.
Our Clinic in State College Accepts The Following:
Vision Plans We Accept
- VSP
- Davis Vision
- National Vision Administration (NVA)
- EyeMed
- VSP Premier
- Versant Health
Medical Plans We Accept
- Medicare
- Highmark Bluecross Blueshield
- Highmark Blueshield
- Highmark
- Geisinger
- Blue Cross Blue Shield Medicare
- Capital Blue
- Advantra
Our Eye Care Staff Is Here To Help You With Your Insurance
We work with several insurance plans to ensure that you receive the best care possible at an affordable cost. While we don’t accept all insurance plans, we can help you decide which one works best for you.
FAQ About Vision Insurance
Vision insurance plans typically work by having you pay a monthly premium. With the premium payment taken care of, you can see an eye doctor for an eye exam. The insurance company will then pay for a portion of the exam, glasses, or contact lenses.
The coverage that is included in a vision insurance plan will vary depending on the plan. However, most plans cover the following:
- LASIK and PRK vision correction at discounted rates
- Annual eye examinations
- Contact lenses
- Eyeglass frames
- Eyeglass lenses
There are two types of vision insurance: one that offers discounts and another that provides benefits.
Discount Vision Plan - An annual premium or membership fee and deductible must be paid to access discounted, fixed rate eye care.
Vision Benefits Package - A typical vision benefits plan typically involves a yearly fee and deductibles for each member. Each visit requires a co-payment.
Customized vision plans and benefit packages cater to various patients’ needs, including unions, corporations of different sizes, and school districts, providing you with discounts and other exclusive benefits.
Vision insurance is a great perk that some employers offer. You can pay for it through payroll deductions or flexible spending accounts. With a flexible spending account, you can use pre-tax dollars to purchase selected health benefits, including vision insurance. This means that you can save money on taxes and receive the full benefit of the income you set aside for health expenses. However, if you are self-employed or if your employer doesn’t offer vision insurance, you can still get coverage by enrolling in a plan and expect to be billed monthly or annually.