Skip to main content

Optometrist At Holly & Derry in Milton, ON

Call 905-876-0044
Schedule An Eye Exam
girl%20with%20blue%20eyes%20in%20black%20and%20white%20coat%20slide.png
outlined%20blue%20eye
contact-in-solution
Home » Eyecare Insurance in Milton, ON » FAQs of Vision Insurance Plans

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 insurance payment options?

If group vision insurance is available from your employer, you pay for it through payroll deductions or flexible spending accounts. But if you do not visit your eye doctor by the end of the year, you will lose all those valuable deductions you’ve already paid for in advance!

An 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 Patients,

Today, under directions from the College of Optometrists of Ontario, we have made the difficult decision to immediately suspend all non-urgent care,  due to the COVID-19 pandemic. Our doctors will still be accessible for ocular emergency assessments case by case. The clinic is closed.

All non-urgent appointments will be canceled and rescheduled for a later date. For urgent care please DO NOT call or come to the clinic, but send an email to: info@miltoneyecare.ca for appropriate triaging.

For patients who need to order contact lenses, please continue to place your order request on our website at www.miltoneyecare.ca. We encourage a 6-12 months’ supply of contact lenses to be ordered.

What consists of an emergency: Ocular Emergencies require an urgent visit within 24-48 hours. Please email our office should you experience:

  1. Chemicals splashed into the eye within the last hour
  2. Sudden loss or decrease in vision, or the appearance of a cloudy veil in front of the eye
  3. Foreign body in the eye, ocular injury or forceful trauma to the eye or surrounding area
  4. Sudden onset of halos around lights; especially if associated with a red painful eye or brow
  5. Sudden onset of flashing lights or floaters
  6. Sudden onset of double vision
  7. Red eyes with pain, light sensitivity or pus discharge
  8. Swelling of eyelid

If you are not sure if you are experiencing an ocular emergency please email our office at info@miltoneyecare.ca

 As this situation evolves, Milton Eye Care is committed to providing updates to our patients. While this is a difficult time for all, we are aspired by our patients who have taken their own personal measures to protect our most vulnerable. Thank you for your understanding. Please stay safe and healthy.

Warmest regards,

Milton Eye Care team