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About Eye Vision Insurances
Vision plans are typically offered in one of two ways either a vision insurance benefits package or a discount vision plan. Your company or you may have purchased either of these by enrolling and often paying a monthly premium.
INSURANCE:
Insurer ( your employer or you) pays the doctor. You pay copay and extra charges not covered under the policy.
DISCOUNT PLAN:
You pay doctor directly at a discounted rate.
Vision insurance provides free coverage for an exam and for eyewear (even when you buy eyewear online) up to a fixed dollar amount in exchange for an annual premium and co-pay (fixed dollar amount).
If the type of lenses options you (or your eye care professional prescribes for you) pick and the total price is over the plans fixed dollar amount, you are then responsible for the overage.
For example, if frames are covered up to $160, and your plan allowance for frames is $100.00, off you would pay the $60.00 difference. Same for the lenses.
Discount vision plans, after you pay an annual premium, provide eye care and eyewear at discounted rates. You pay the service provider (doctor or retailer) the entire cost directly, based on the pre-negotiated, discounted rate.
When it comes to more serious medical issues regarding the eyes these insurances do not cover those. They will simply cover routine eye exams and prescription eyewear you would need to look to your health insurance carries for anything more. There are several companies that offer these; here is a list of some.
You must have your sign in information on hand before access to your plan information.
VSP's basic insurance plan
Please note: We try to provide you with information but please verify with your insurer to be sure the information is accurate:
- $17.00/month for one person; $32.33/month for 2 people and $44.16/month for a family (for Los Angeles, California)
- $120.00 allowance for the frame (after the $25.00 copay is paid) plus 20% off the cost after the allowance is exhausted; eye exam is covered in full after copay of $15.00 is paid)
- Basic lenses are covered in full and an average 20-25% off options including anti-reflective coating and scratch resistant coating;
- Plus 20% off the second pair.
- For VSPs Discount plan it is basically 20% off the price for an eye exam and eyewear
- Not sure if your employer offers VSP? Give them a call at 800.877.7195
Humana's individual plan (for my area and state) Partner with EyeMed
Please note: We try to provide you with information but please verify with your insurer to be sure the information is accurate:
- $17.74/month with a $35.00 enrollment fee.
- For Frames: Plan pays $100 retail allowance for your first pair, plus you save 20% off retail on a second pair.
- Frequency: Once every 24 months
- For lens: standard lens single vision, bifocal or progressive (trifocal lens) is $25.00
Eyemed Company Coverage
Please note: We try to provide you with information but please verify with your insurer to be sure the information is accurate:
Check your coverage for prescription eyeglasses and whether your vision insurance will reimburse you or what your coverage includes.
- EyeMed provides benefits when you receive services through a participating provider. Some services may require a co-payment at the time of your visit.
- Depending on your plan type that has been set up, you may obtain an out-of-network claim form from EyeMed or Customer Care Center and mail, fax or email the completed form, along with the itemized paid receipts for services and materials t
EyeMed Vision Care
Attn: OON Claims
P.O. Box 8504 Mason,
Ohio 45040-7111
oonclaims@eyemedvisioncare.com
Fax: 866-293-7373
Spectra Vision
Please note: We try to provide you with information but please verify with your insurer to be sure the information is accurate:
- Insurance is similar to EyeMed in that it is offered to businesses only
- Check on the link to find out about your specific coverage for prescription eyeglasses
- If you visit a provider outside of the Spectra network, consult your benefits brochure or login to your account and under the My Benefits section you can determine if your program provides an out-of-network reimbursement benefit. If your plan has an out-of-network benefit, you will pay the provider in full at the time of service. Then simply mail or fax your receipts to us, requesting reimbursement. We will process your claim and reimburse you up to the maximum allowances of your plan. To request reimbursement, submit your receipts to:
PO Box 30978
Salt Lake City, UT 84130
-or-
Fax: 248-733-6060
The following information should be included with your itemized receipt submission to Spectra according to their website (though we try to provide you with information please verify with your insurer to be sure the information is accurate):
- Subscribers name and address
- Member or patient's name and date of birth
- Subscriber's unique identification number
As always if you need our help we are but a call away at 866 217-5878, 9 a.m.–7 p.m. PT daily or Text 213 769-8009 or emailing us
