Phone- 716-775-2220

contact@gifamilyeyecare.com

1780 Grand Island Blvd Grand Island, NY 14072

FAX- 716-775-2526

Dr Adrienne Cassata

Our facility and examination equipment are wheelchair accessible.

Eye Insurance

what does it cover?

Eye Insurance Overview

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.

1780 Grand Island Blvd,
Grand Island, NY 14072

1-716-775-2220

contact@gifamilyeyecare.com

Medical and Vision Insurance we accept
We take a variety of medical insurances to help you get the vision care you need.
What’s in Your Vision Insurance Plan?
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 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 (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 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.

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 eye care professional to see how best to apply your particular vision coverage to your eye care 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 (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 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.

1780 Grand Island Blvd,
Grand Island, NY 14072

1-716-775-2220

contact@gifamilyeyecare.com

Why Choose Our Eye Services
With an office in Grand Island eye doctors at Island Family Eye Care have been providing Grand Island with quality eye care for many years.

Call us to make an appointment with our optometrist to talk about your eyeglasses, contact lenses or specialty lens needs. Drop in anytime to browse through our large selection of designer eyeglass frames and sunglasses!

FAQ
What is eye care?
A comprehensive eye exam includes a number of tests and procedures to examine and evaluate the health of your eyes and the quality of your vision. These tests range from simple ones, like having you read an eye chart, to complex tests, such as using digital retinal imaging technology to evaluate retinal health.

Eye care experts recommend you have a complete eye exam every year to assess your risk for potentially damaging eye conditions, as well as to keep on top of any changes in vision you may be experiencing.

Routine eye exams are important, regardless of your age or physical health. During a complete eye exam, your eye doctor will not only determine your prescription for eyeglasses or contact lenses, but will also check your eyes for common eye diseases, assess how your eyes work together as a team and evaluate your eyes as an indicator of your overall health.

Do you offer emergency care?
We offer emergency services that require immediate and urgent eye care. If your eye is injured, don’t try to judge the severity of it. Immediately seek the opinion of an eye doctor to lessen the risk of hurting your vision. We understand ocular emergencies can arise at any time.

Please call our Grand Island office at 716-775-2220 for further instructions. Use your best judgment. If you feel your vision issue is urgent, do not delay treatment – visit your nearest emergency treatment center.

Your Title Goes Here

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 eye care professional to see how best to apply your particular vision coverage to your eye care 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.

We take the following insurance.

VSP
Eyemed Vision Care
Carecredit

Please visit our insurance page for more information.

If you need emergency eye care, simply call our 24-hour emergency hotline.

Our office will ensure that you receive the best possible care.

Call now

716-775-2220