Business Services

Business Services - Employee Benefits - Vision Insurance

VISION INSURANCE

Employees and their dependents receive coverage through Vision Service Plan (VSP). Our insurance allows for primary eyecare services including an examination, contact lenses and two pairs of eyeglasses every 12 months. Laser vision correction surgery is also covered at a reduced price from VSP-approved laser surgeons and centers to correct problems such as nearsightedness, farsightedness and astigmatism.

VSP doctors can detect signs of health conditions and may assist you in coordinating care with your primary care physician, if necessary, to help keep you and your eyes healthy. VSP is designed to cover primary eyecare services only and there are exclusions including medication, pre- and post-operative services and surgical or pathological treatment.

To use VSP, simply call a VSP network doctor to schedule an appointment and tell them you are a VSP member. You pay applicable copays and taxes, plus the amount over your allotted coverage, as outlined in the chart below. VSP will pay the provider directly for your services and eyewear. To find an eyecare provider, simply go to the VSP website or call the toll free number. It is very easy to create an account on the VSP website to view your benefit information and check on the date of the last visual exam for you and your dependents.

To better understand how to access the out of network benefits with VSP, it is recommended that you call the toll free number and discuss allowances and eligibility with a plan representative. You will need to submit a claim for reimbursement if you see a provider other than a VSP doctor. 

Below is an overview of vision plan benefits available to employees and their dependents every 12 months. 

Plan Benefits Overview

 

VSP Doctor

 

Non-Member Provider

WellVision Exam

 

$10 copay

 

$10 deductible and up to $45

Lenses – single vision, lined bifocal, lined trifocal, photochromic, tinted

 

First and second pair fully covered

 

Up to $45 for single vision, $65 for bifocal, $85 for trifocal, $125 for lenticular

$10 copayment on first pair, $20 material copayment on second pair

Lens Options – anti-reflective coatings, edge polish, high index, polarized, polycarbonate, progressive, scratch resistant coating, UV protection

 

First and second pair 30% to 40% savings

 

Up to $85 for progressive, no reimbursement for other options

 

Frame

 

On each of first and second pair $150 allowance and 20% discount on amount over allowance

 

First and second pair up to $47 each

 

Additional lenses and frames beyond two pairs

 

$20 copay, 30% discount

 

None

Contacts

 

$50 copay covers  contact lens exam and a year’s supply of contacts

 

$50 deductible and reimbursement up to $250

Laser correction surgery

 

15% off regular price or 5% off promotional price

 

None

Sunglasses for those with laser correction surgery

 

Frame allowance can be applied of $150 on each of first and second pair and 20% discount on amount over allowance

 

None


Visit SharePoint for a full plan description