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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 $120 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 $120 on each of first and second pair
and 20% discount on amount over allowance |
|
None |
Visit
MySite for a full plan description |
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