Insurance

Insurance

The cost of routine eye exams and prescription eyewear can be of real concern, especially for large families. In many cases, vision insurance can lower these annual expenses.

A vision insurance policy is not the same as health insurance. Regular health insurance plans protect you against financial losses due to unexpected eye injuries or disease. Vision insurance, on the other hand, is a wellness benefit designed to provide routine eye care, prescription eyewear and other vision-related services at a reduced cost.

Because we provide both medical and routine eye care, we accept a number of insurance plans to help cover the cost depending on your individual needs.

Below are just some of the plans that we accept. We do accept other plans as well, so if you do not see your plan listed here, please give us a call at (516) 712-6002 and we would be happy to assist you. Our staff will work with you to determine exactly what is covered.

Location

901 Stewart Ave, Ste 202
Garden City, NY 11530

Call Us

Hours

Monday: 9:30AM – 5:30PM
Tuesday: 9:30AM – 5:30PM
Wednesday: Closed
Thursday: 9:30AM – 6:30PM
Friday: 9:30AM – 2:30PM
Saturday: 8:30AM – 2:30PM
Sunday: Closed

Plans We Accept

united healthcare
medicare
aetna
blue-cross-blue-sheild
united healthcare
eyemed-vision-care
aarp
emblem-health
empire-bcbs
ghi
health-republic
oxford
railroad-medicare-beneficiaries
lij-northshore
davis-vision
vsp
northwell

Frequently Asked Questions

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.