REALTORS® VISION INSURANCE – FREQUENTLY ASKED QUESTIONS
Click on a question below to see the answer and more information on the topic or call us at 877-267-3752 and we will do the work for you!
- How do I qualify (eligible) for this plan?
- Who is an eligible dependent?
- When should I enroll my dependents?
- Are newly acquired dependent children covered?
- Where are the plans available?
- When does coverage begin?
- When does coverage end?
- What happens if I apply for this insurance and then change my mind and decide that this policy does not fit my needs?
- Is Same-Sex Marriage, Domestic Partnerships, or Civil Unions allowed with these plans?
- Do I have to use a vision PPO provider to receive benefits?
- How can I find a provider participating in the network?
- Do you require a pre-authorization for any claims?
- How does the plan handle pre-existing conditions?
- How does the plan treat work in progress?
- Do the plans include any waiting periods before benefits are available?
- If I have coverage through my spouse or another plan, does your plan coordinate benefits?
- What does REALTORS Vision Insurance cost?
- Who files a claim under my coverage?
- Will I receive an ID card?
- How do I cancel my coverage?
- How are future rate increases handled?
- How do I get my provider to be added to the network?
- How do I file a claim?
- How long does it take to process my claim?
- Where are claims submitted?
- How do I make changes to my vision insurance plan?
- What happens if my expiration date changes on my credit card I have been using?
- What happens if my payment was declined?
- How long do I have to make a missed payment?
- What are the customer service telephone numbers and hours of operation for the claims department?
- I don’t wear glasses and can see fine! Why do I need an eye exam?
- At what age should my child first visit the eye doctor?
- My child gets a vision screening at school, so there is no need for an eye exam, right?
- How often should I get an eye exam?
- How long does an eye exam typically take?
- Why does the eye doctor perform so many tests?
- Can I get the same quality of care at a retail provider as I can at an independent doctor?
- What are the different types of corrective lenses?
- What types of bifocals are there?
- What are the types of lens options?
- What are frames?
- What are the types of contact lenses and definitions?
How do I qualify (eligible) for this plan?
- be over age 18, unless a dependent of a member - There is no age limit to qualify for these plans
- be an NAR member
- Association Executive members and their staff
Who is an eligible dependent?
a. an Insured's spouse. b. each unmarried child less than 26 years of age, (less than 30 years of age for discharged military dependents), for whom the Insured or the insured's spouse, is legally responsible, including:
- natural born children;
- adopted children, eligible from the date of placement for adoption;
- a grandchild that is a dependent of, and under interim court-ordered custody of the Insured;
- children covered under a Qualified Medical Child Support Order as defined by applicable Federal and State laws.
- because of a handicapped condition that occurred before attainment of the limiting age, is incapable of self-sustaining employment; and
- is dependent on his or her parents or other care providers for lifetime care and supervision.
When should I enroll my dependents?
Eligible dependents should be enrolled at the time of application. If you would like to add dependents at another time, you may but they will have their own waiting period (6 months for major services and 12 months on ortho) to satisfy. Dependents enrolled at a later date will take effect at the following month renewal date.
Are newly acquired dependent children covered?
Your child or children born after your enrollment/effective date will be effective from the moment of birth (If they already have already enrolled dependents) and will remain in effect for 31-days. An adopted child or child placed with you for the purpose of adoption will be covered for 31-days from the date of adoption or placement. To continue the child's coverage You must send us written notice directing us to add the child or children to your coverage. We must receive this notice within the 31-days after the child's date of birth, adoption or placement. Any required additional premium must accompany your notice. If you do not send us the required notification and any additional premium, the child's coverage will end after the 31-days.
Where are the plans available?
To see if the plans are available in your state, simple register at the www.RealtorsInsuranceMarketplace.com website or call the toll free number provided. If you receive a quote from the website then the plans are available in your state. If the plans are not available we will set up a reminder to contact you once it is available.
When does coverage begin?
Coverage becomes effective next day (12:01 am) following the date the completed enrollment form is received and approved, or a specified date in the future (not more than 30 days in advance), provided that full premium for the coverage has been received.
When does coverage end?
An insured Member's coverage ends when the Member is no longer eligible (as defined above), premiums are discontinued (subject to the grace period), when the policy terminates, or when the Member is no longer in good standing with the association, whichever occurs first. Coverage on a dependent ends on the earliest date they no longer meet the definition of an eligible dependent or on the date the Primary Member's coverage terminates, whichever occurs first.
What happens if I apply for this insurance and then change my mind and decide that this policy does not fit my needs?
You have the right to review your policy within 10 days from the date you have applied. After you apply, you will automatically receive an email for you to review your application and certificate. If you do wish to terminate the coverage after you have reviewed the certificate, you will need to contact the customer service department by phone. We also require a written request with the policy holder's signature. If you have provided the correct information within the 10 day time frame, a refund of premiums, minus the administration fees will be issued and your policy will be deemed void, as though it had never been issued.
Is Same-Sex Marriage, Domestic Partnerships, or Civil Unions allowed with these plans?
Yes and no; each state has enacted laws that determine eligibility under the plan. Call our toll free number to find out what is available in your particular state.
Do I have to use a vision PPO provider to receive benefits?
No. All members and their covered dependents have the freedom to choose any licensed vision provider. The PPO providers available to you have agreed to negotiated fees, so out-of-pocket costs for the member are often much lower than using a non-participating provider. We highly recommend using a vision provider within the network to experience the best value and lowest out of pocket costs.
How can I find a provider participating in the network?
Provider directories can be accessed via the website, www.RealtorsInsuranceMarketplace.com. Members can search for a specific provider by name, or search for a provider by an address or zip code location. Provider directories are updated on a daily basis. The Provider Relations Department has a toll free number (800.755.8844) to verify participating providers and answer questions about participating providers.
Do you require a pre-authorization for any claims?
No. Ameritas does not require pre-authorization. However, pretreatment estimates are available anytime a member would like to know how the plan will cover their services. This can be a valuable tool for Members to use in budgeted their out of pocket expenses. Information regarding pretreatment can be found on the backside of the Ameritas claim form or by calling Ameritas' toll free Claim Customer Service lines. Once the pretreatment estimate is processed, a copy of the estimate is sent to the member and the vision provider.
How does the plan handle pre-existing conditions?
The plan does not limit pre-existing conditions.
How does the plan treat work in progress?
Any procedures started prior to the member's effective date of coverage will not be eligible under the plan.
Do the plans include any waiting periods before benefits are available?
No. The vision plans do not have any waiting periods for any of the benefits available.
If I have coverage through my spouse or another plan, does your plan coordinate benefits?
Yes. If you have coverage other another group vision plan, Ameritas will coordinate the benefits between the two plans. If you are covered as a dependent under a spouse's plan, the NAR plan would be considered "Primary" for you as the NAR member, and "Secondary" under your spouses plan. Your spouse would be considered "Primary" under their own coverage and"Secondary" under your NAR plan. Note: by coordinating benefits, the benefit between the two plans would equal no more than 100% of the total cost of the service.
What does REALTORS Vision Insurance cost?
Members of the NAR have access to exclusive plans and rates for vision insurance that provides benefits for eye exams, frames, lenses, contacts, and more. To get a quote; simply complete the quote request form on www.realtorsinsurancemarketplace.com or call our customer service team at 877-267-3752.
Who files a claim under my coverage?
Simply provide your ID card to your vision provider. While all PPO providers are required to file claims on your behalf, many non-participating providers offer claim filing services as well. Once the claim is filed, you will receive an Explanation of Benefits (EOB) from the administrator explaining what was paid and what you owe the provider.
Will I receive an ID card?
The ID cards and policy are mailed out to your residence, typically within 3 days via USPS. You should receive the policy and ID cards within two weeks. If your provider does not accept the insurance you may obtain a claim form and submit the claims directly to Ameritas for processing.
How do I cancel my coverage?
Vision insurance policy cancellation procedure: We are confident that this vision plan is the best plan available of its kind. We do care about you and your health and it is our job to make sure that your have secured vision insurance that will benefit your needs. If you have not obtained other insurance and have questions about this plan and the benefits it can provide for you and your family, please contact our customer service department at 1-800-279-2290. If you are confident that this vision insurance is not going to give you the benefits you need and you have met your twelve month commitment, or you have obtained new group vision coverage, you can terminate this plan. In order to avoid any future payments to be drafted from your account. We do require a hand written signature no later than five days before the next scheduled draft date. If you are requesting to cancel your plan and are within your 10 day right to review period, your hand written request is required within ten days from the effective date requested on your application. If required information is received in a timely manner, a refund of your premiums paid minus any enrollment fees will be issued to the account on file. Scan and Email request with signature to: firstname.lastname@example.org or Fax # : 608-531-2707 or Mail request to: InsuranceTPA.com/SASid PO Box 998 Janesville WI 53547
How are future rate increases handled?
No individuals can be singled out for cancellation or rate increase under the policy. The National Association of Realtors (NAR) is the Policyholder and if there is a rate increase all policyholders which participate with this group policy will be properly notified.
How do I get my provider to be added to the network?
If your provider is not a member of the Ameritas provider network, you have several options. You can select a new provider that is in the network or discuss with your provider the possibility of becoming a member of the EyeMed network. You or your provider may contact the Provider Relations Team at 800-755-8844.
How do I file a claim?
PPO providers will automatically file the claim for you. Many non-participating vision providers may file claims for you as well, however filing claims when using non-participating provider is ultimately the responsibility of the member. The claim filing process is very easy. Claim forms can be printed from our site, or generic forms that most vision providers offices have on hand can also be used.
How long does it take to process my claim?
Most vision claims are processed in 5 business days or less. Once processed, an Explanation of Benefits will be sent to you.
Where are claims submitted?
Claims can be sent to: Ameritas Group Vision Claims P.O. Box 82520 Lincoln, NE 68501
How do I make changes to my vision insurance plan?
For customer service, billing, and plan change questions please contact our customer service department at 1-800-279-2290. Our office hours are M-T 7:00 AM to 7:00 PM (5:00 PM on Friday) central/standard time.
What happens if my expiration date changes on my credit card I have been using?
If any billing changes need to be made, you will need to contact the customer service dept by phone at 1-800-279-2290.
What happens if my payment was declined?
You will be notified by phone or email and you will also receive a letter in the mail. Your policy will be in danger of lapsing.
How long do I have to make a missed payment?
Your policy gives you 31 days from the due date to post a new payment. If a payment has not been posted within that time, your policy will terminate due to nonpayment. Your insurance coverage dates will reflect the approved payments made.
What are the customer service telephone numbers and hours of operation for the claims department?
If you have any questions please call: Ameritas Group Claims Department at 800-487-5553 Representatives are available Monday - Thursday 7:00 am to 12:00 am (Central Standard Time) and Friday 7:00 am to 6:30 pm (Central Standard Time)
Visit the Ameritas website at: www.ameritasgroup.com
I don’t wear glasses and can see fine! Why do I need an eye exam?
Getting an eye exam is not just about finding out if you need glasses. It’s about your health! An eye exam can detect eye health problems like glaucoma or cataracts, but it can also help identify early signs of diseases that impact your whole body- high blood pressure, diabetes and high cholesterol – just to name a few. So, schedule an exam today and keep an eye on your health.
At what age should my child first visit the eye doctor?
The American Optometric Association recommends that your child should have his or her first eye exam with an optometrist or ophthalmologist between 6 months of age and 1 year. The doctor will check for nearsightedness, farsightedness, astigmatism, amblyopia (or "lazy eye"), proper eye movement and eye alignment, how the eye reacts to light and darkness, and other eye health problems.They also recommend that your child's next eye exam should take place sometime between the ages of 3 and 5, and then every year after that. During these exams, the doctor will conduct a comprehensive eye exam as well as vision screening tests.
My child gets a vision screening at school, so there is no need for an eye exam, right?
A vision screening does not take the place of an eye exam. They generally check a child’s ability to see far away and check for color blindness, but a comprehensive eye exam will evaluate the entire structure of the eye and also allow the doctor to view nerves and blood vessels, providing a glimpse into a child’s overall health. Eye doctors will also check for farsightedness, which is more common in younger children.
How often should I get an eye exam?
As with any type of ongoing health care, annual eye exams are a good rule of thumb unless otherwise directed by your doctor.
How long does an eye exam typically take?
The time can vary, but it will usually take between 30 minutes and one hour. If your eyesight requires multiple tests or if you have a more complex problem, the exam may run longer or require subsequent visits. Plan for an hour to be on the safe side.
Why does the eye doctor perform so many tests?
Eye doctors perform various tests to examine all parts of the eye, as well as to gauge your overall health. Some procedures are designed to evaluate your vision, others allow the doctor to look at the structure of the eye, and still others help detect specific diseases. Visit www.EyeSiteOnWellness.com for additional information and videos about what to expect during an eye exam.
Can I get the same quality of care at a retail provider as I can at an independent doctor?
Absolutely. In fact, many of the optometrists who practice in retail settings share space with an optical store but operate separately. All optometrists, regardless of the setting of their practice, must meet the same state licensing and credentialing requirements. In addition, due to the finite number of optometry schools in the United States, optometrists are trained consistently regardless of the practice model they eventually choose.
What are the different types of corrective lenses?
Single LensesA single vision lens has just one power. It is focusing at one range. For a nearsighted person who cannot see far away, the lens is a “minus lens” which is thick on the edge, thin in the middle. For a person who is farsighted or has difficulty reading, the lens is a “plus lens” which is thick in the middle, thin on the edge.
Bifocal LensesBifocal lenses are typically for the presbyopic patient who has a hard time seeing both distance and up close. This requires two different vision corrections in the glass. The near and distance pieces of the lenses are called “segments.” The top part of the lens is usually used for distance and the bottom part is used for up-close work. A popular option is the no-line bifocal in which the line between segments is not visible. This creates a more youthful appearance, although there may be an additional cost for this option.
Trifocal LensesTrifocal lenses accommodate a person who has a visual need at three distances: far away, at an intermediate distance, and up close.
Lenticular LensesLenticular lenses consist of an array of optical elements called lenticules. These lenses are designed to treat eye conditions that are more serious than simple myopia, hyperopia, presbyopia, or astigmatism. They are occasionally prescribed after cataract surgery for patients without intraocular implants; however, advances in surgical procedures have resulted in fewer prescriptions for Lenticular lenses.
What types of bifocals are there?
No-line bifocals: contain a lens with two powers. Progressive bifocals: gradually change from the top of the lens to the bottom.
What are the types of lens options?
Lens OptionsGlass: Lenses that have great clarity and are more resistant to scratching, however, they are heavier. • Plastic: Lenses that are lighter weight and more comfortable, however they scratch more easily. Progressive: Lenses that are line-free. The power gradually changes from distance correction to arm’s length to reading, moving invisibly from the top to the bottom of the lens. Standard progressive lenses use older technology, while premium progressive lenses use more current technology. Premium progressive lenses allow for a smoother blending in the lens as the prescription changes and may also provide clearer peripheral vision. Plano: Lenses that do not have any correction and are often used for cosmetic purposes. High-Index: Lenses that have a higher index of refraction, meaning light travels faster through the lens to reach the eye than with traditional glass or plastic. They are denser so the same amount of visual correction occurs with less material. This allows the lens to be thinner and look better cosmetically. Polycarbonate: The most durable lens on the market. They are especially popular for children’s prescriptions and industrial safety glasses because of the protection they provide against breakage. Photochromic: Lenses that change from light to dark depending on the intensity of ultraviolet light exposure. This option is often sold under the “Transitions” brand. Polarized: Lenses that reduce the glare from water and other flat surfaces making the outdoor experience more pleasant and easier on the eye. Boaters and fishermen appreciate this type of lens. UV Protection: A treatment is applied to lenses to block the harmful portion of ultraviolet light in sunlight. Scratch-Resistance: A coating applied to plastic lenses to increase their resistance to scratching and pitting. While no lens is ever entirely “scratchproof,” a scratch-resistant coating reduces the chance of lens scratching. Anti-Reflective: A coating applied to lenses to reduce the intensity of reflections. Bright lights from cars or computer screens, for example, are minimized. They also reduce the intensity of reflections that other people see on the front surface of the lenses so they are more cosmetically appealing. Solid Tints and Dyes: Lenses with solid color tints and dyes have the same color density throughout. Plastic lenses can be dyed, while tinted glass lenses are made from colored glass. These options may be selected for cosmetic purposes or to reduce the amount of light coming through the lenses. Plastic Gradient Dyes: Lenses with plastic gradient dyes are usually dark at the top and gradually lighten toward the bottom of the lens. This option is typically for cosmetic purposes. High-Luster Edge Polish: Glass and plastic lens edges can be polished to a high luster resulting in clear and shiny lens edges. This option is often selected with rimless frames to disguise the edges of the lenses, especially with thicker lenses.
What are frames?
Lenses provide function, and frames provide style. There are all kinds of frames on the market that vary in size, shape, and color. Some people prefer bigger, some smaller, but what is most important is that the frame works with the style of lens. Members often request prescription safety glasses, sunglasses, or ski goggles. It is important for members to verify whether these items are covered under their specific plan benefits.
What are the types of contact lenses and definitions?
Contact LensesContact Lenses – Necessary: When eyeglasses do not achieve the best visual potential, contact lenses may become necessary. This can be due to keratoconus, corneal trauma, or postsurgical irregularity in the corneal surface. Contact Lenses – Elective: Many patients choose to wear contact lenses even though glasses achieve a full visual correction. This is considered an elective situation.
Contact Lens Options
- Daily Wear: Lenses are worn during the day and removed each night to be cleaned and disinfected.
- Extended Wear: Lenses are worn at night, but they must be removed for cleaning and disinfecting at least once a week.
- Disposable: Lenses are worn during the day and removed at night. They don’t need to be cleaned or disinfected, but are used for the recommended time-frame and then discarded.
- Gas Permeable: Rigid lenses that, unlike “hard lenses” of the past, allow oxygen to pass through to the eye to keep it healthy. Gas permeable lenses provide better vision, durability, and deposit resistance than soft contact lenses.
- Ortho-K: A type of lens used to reshape the cornea so that when removed, regular vision is improved, although the effect is temporary. These lenses are also referred to as “night time contacts.”
- Toric: Lenses are specially shaped and fitted to treat astigmatism.
- Multifocal: Correct nearsightedness, farsightedness, and astigmatism.
- Tinted: Contacts can be tinted, either for cosmetic or therapeutic purposes. An example of a therapeutic purpose is to enhance color perception to help compensate for color blindness.