Vision coverage is through VSP, with two plans to choose from: VSP Vision and VSP Vision Plus. Both cover an eye exam, lenses, and frames or contacts once every 12 months. You get the most from either plan when you see a VSP network provider.
Choosing the right plan
Exams and lenses are covered the same way on both plans. The difference is how much you get toward frames and contacts. VSP Vision is free for team member only coverage and gives you a $130 frame allowance or $130 toward elective contacts. VSP Vision Plus raises that to $150 for frames and $200 for contacts, for $0.46 a paycheck for team member only coverage. If you wear contacts, the Plus plan’s extra $70 allowance covers its cost several times over.
In-network coverage
- Eye exam: $10 copay
- Lenses: single vision, bifocal, trifocal and lenticular lenses are covered after a $25 materials copay
- Frames: $130 allowance (Vision) or $150 (Vision Plus), plus 20% off any amount over the allowance
- Elective contact lenses: $130 allowance (Vision) or $200 (Vision Plus)
- Medically necessary contacts: covered after copay
Going out of network
You can see any eye doctor. VSP will reimburse you up to a set amount: $45 for an exam, $30 to $100 for lenses depending on the type, $70 for frames, and $105 for elective contacts ($210 if medically necessary). Expect to pay more out of pocket this way.
