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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 you are contributing your hard-earned money toward your vision coverage, there’s really no excuse to skip your annual eye exam or see your optometrist should you experience any changes in your vision.

What’s more, many of the defined contribution vision insurance plans (Flexible Spending 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 to 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.

Armstrong & Small Eyecare Centre - COVID-19 Update - March 18, 2020

Due to the recent COVID-19 outbreak, we have made the difficult decision to close starting Wednesday, March 18 and we are hoping (depending on the conditions) that we will re-open on Monday, April 6th.

In our attempts to be as socially distant as possible and to protect you, our staff and all of our families, we recommend staying at home and following all of the precautions that have been set out by the city, province and the nation.

If you have specific questions about glasses, contact lenses or any other non-emergency / non-essential items please email us at info@armstrongandsmall.com and we will do our best to accommodate your request. As part of our services, we are happy to provide you the option of having your contact lenses sent directly to your home. If you currently have items on order, we will be in touch with you to make arrangements.

If you are calling about a specific ocular or visual emergency such as new flashes and/or floaters, a loss in vision or a suspected eye infection, please text or call Dr. Luke Small at 204-299-6587 or Dr. Matt Lepage at 204-573-8039 who are both providing on-call emergency services through our clinic. Please do this prior to going to Misericordia or to a walk-in clinic as we attempt to reduce their patient load at this time. Obviously, if you have been recently traveling or are experiencing any symptoms related to COVID-19, they will be able to direct you where to go for the proper care.

Please stay home as much as possible and stay safe.

Thank you from your Armstrong & Small Eyecare Team.