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Vision Insurance vs. Discount Plans

It is helpful to ask your Human Relations department if your vision benefits are an actual insurance benefit or simply a discount plan. We honor both, but the coverage for an actual insurance plan is much higher than the discount only plans.

Out-of-Network Benefits

If Albertville Eye Care is not listed as a provider for your medical or vision plan you may have out-of-network benefits. We are more than willing to submit a claim on your behalf or help you submit a claim yourself. However, payment for services and products will be required at the time of service or paid in full before product is released.

Patient Responsibility

The patient is ultimately responsible for the cost of services provided and materials ordered. If your insurance company fails to acknowledge claims submitted, we will do all we can to help you. However, if we cannot resolve the issue after 30 days, you will be held responsible for these charges.

Coverage for Glasses vs. Contacts

Almost all Vision Insurance plans allow either glasses or contacts. The benefit is usually larger on glasses because you get the savings on both the frame and lenses, whereas if you use the benefit for contacts, you are only getting the lens benefit.

On top of that, if you use your benefits for contacts, it pushes back your entire material benefits for whatever period your company specifies. In other words, if you company only allows you to get frames every two years, using your benefits towards contacts still pushes back your frame benefit for the full two years. They will not cover anything toward the patient’s frame during that time.

Insurance 101 Patient Information

Serving clients in Northwest Metro Minnesota including the communities of Albertville • St. Michael • Otsego • Hannover • Wright County

Albertville Eye Care, 2011