What happens to my VSP benefits if I Lose my job?
If you’ve recently lost your job, you may be eligible to continue your health insurance, including your VSP vision care benefits for up to 18 months with COBRA. Coverage will continue to apply to family members and dependents who were originally covered under your plan.
How do I look up my VSP benefits?
Tell your VSP network eye doctor that you have VSP and they can pull up your benefit information for you. You will need to provide your Member ID Number. You can look up your in-network benefits by logging in or creating a vsp.com account. There are no claim forms to complete when you see a VSP network doctor or provider.
Can I use my VSP plan and Medicare benefits?
VSP Vision Care does not coordinate benefits with Medicare. In other words, you can't use $150 of frame allowance from a VSP plan and add $50 of allowance from a Medicare plan to get a $200 frame fully covered. You would use one plan's benefit or the other. Check your Medicare plan to see if your vision care needs are covered.
How does the VSP frame benefit work?
Your VSP frame benefit offers you the freedom to choose from a wide selection of frames that complement your lifestyle. Most of our members use their benefits with a VSP network doctor. Ask your doctor which frames are covered under your benefits. When you pick them up, you can get a complimentary frame fitting.
What does calendar year mean for vision insurance?
Calendar year vision benefits Many plans are on a calendar year cycle. This means they renew on January 1st no matter when you used them last.
Can you use VSP twice?
VSP allows coordination of benefits for patients eligible for coverage by more than one vision plan.
How often can you get new glasses with insurance?
every 12 monthsHow Often Can You Get Glasses or Contacts With Vision Insurance? While individual plans vary, and you should check with your plan for specifics, most vision insurance plans cover part or all of the cost of new lenses for glasses or contacts every 12 months.
How long do glasses insurance last?
Yes. However, only one or the other is covered every 12 months. New frames are covered every two years.
Does VSP cover glasses every year?
A total allowance up to $300.00 is available every other calendar year1. This allowance can be used for exam, lenses, lens options, frame, contact lenses and contact lens fitting and evaluation fees. Members cannot utilize both in-network and out-of-network services during the same benefit period.
Can I use VSP to buy sunglasses?
Most VSP members can use their vision benefits to buy eyewear online at Eyeconic— including stylish eyeglasses, sunglasses, lens enhancements and contact lenses.
How often does VSP cover lenses?
once every calendar yearThe plan covers lenses once every calendar year. 3. Frame: The plan covers a frame allowance of up to $160. The frame benefit provides you the choice to select a frame that fits your lifestyle.
Can eye prescription change in 6 months?
This can occur over one month but can be up to three months. The root cause of this change is from a change in how well the lens inside of our eye bends light also known as the refractive index.
Can I keep my frames and get new lenses?
Typically, optical shops will replace the lenses for you if your frames are in good condition and the shape of the lenses isn't too complicated. Other options include online retailers Lensabl and EyeglassX, which specialize in prescription lenses for existing glasses.
Can I use an old prescription for glasses?
No, you cannot use an expired eyeglass prescription to buy new glasses. The reason for this is simple: our eyes change as we age, and a prescription from several years ago may no longer guarantee clear vision. You may not realize how much your vision has deteriorated since your last eye exam.
How many pairs of glasses in a 12 month period will a vision expense insurance plan cover?
Two pairs of glasses may be received from a member doctor when the benefits are coordinated. The deductible, if any, will apply to the second pair of glasses.
Do you pay for frames and lenses separately?
Eyeglass purchases should include metal frames, nose pads and lenses. In some cases, the retailers may list separate charges for the frames and the lenses. The listing may also include care information for the lenses and frames. AllAboutVision.com describes different types[3] of frame styles and lenses.
What happens if you exceed your VSP plan?
If you exceed your plan allowance, you'll be responsible for paying the overage in addition to any applicable copays at the time of your visit. Check to see if your VSP plan has coverage for contact lenses. If you choose contacts, you may not be eligible to receive any frame and lenses during the same service period.
What is a VSP eye exam?
A VSP WellVision Exam does more than help you see well. An eye exam can also help your doctor see signs of common health conditions like high cholesterol, high blood pressure , glaucoma and diabetes. Contact Lens Exam. Defining what is a Contact Lens Exam and how it's different from a Routine Eye Exam.
How long do you have to submit an out of network claim?
If you see an out-of-network provider, you typically have 12 months to submit a claim. To submit an Out-Of-Network claim: Be sure your receipts have been scanned and are accessible by your computer. Log in to your vsp.com account. Click on View Your Benefits, then My Benefits. Click on Submit an Out-of-Network Claim.
Prepare For Your Eye Exam
An annual eye exam with your VSP network doctor is an important part of your overall health—whether you have a vision correction or not. Here are some tips on how to prepare for your eye exam.
Save with Exclusive Member Extras
With Exclusive Member Extras, members can save more than $3,000 with special offers and deals from VSP and other leading industry brands.
Shop for Eyewear
Get the best value and choices in eyewear with brand names you know and love at your VSP network doctor —like bebe, Calvin Klein, Cole Haan, Flexon®, Lacoste, Nike, Nine West, and more. Prefer to shop online? Your favorite eyewear brands and contact lenses are also available at Eyeconic ®.
Learn about Lenses
Do you drive at night? Work at a computer? Spend time outdoors? There are lenses to fit your lifestyle! Check out our lens overview guide and talk to your eye doctor to find the lenses and lens enhancements that are right for you.
When was VSP founded?
VSP was founded in 1955 and is the largest vision insurance provider in the nation. VSP Individual Vision Plans were created as a division of VSP for people to maintain access to vision care when they don’t have coverage through an employer-sponsored plan.
What is a VSP eye exam?
With a VSP network doctor, you’ll get a WellVision Exam<sup>®</sup>—a comprehensive eye exam that only VSP Network Doctors can provide that can aid in the early detection of serious health conditions, like glaucoma, high-blood pressure, and diabetes.
Does VSP have Medicare?
VSP Vision Care does not coordinate benefits with Medicare. In other words, you can't use $150 of frame allowance from a VSP plan and add $50 of allowance from a Medicare plan to get a $200 frame fully covered. You would use one plan's benefit or the other.
Does VSP offer hearing aids?
Yes! VSP members have access to Exclusive Member Extras and enjoy savings on lenses, contacts, LASIK, and more, including up to 60% savings on <a target="_blank" href="https://www.vspdirect.com/resources/VSP-HearingAidDiscountOffer.pdf">hearing aids</a>.
Can VSP save on lasik?
However, VSP Vision Care Members are eligible to save on LASIK procedures through Exclusive Member Extras. Do vision plans help with <span class="text-blue">diabetes</span>? Routine vision exams can help detect health conditions such as diabetes and are also important for monitoring changes in vision.
How far retroactive can updates be effective (changes, adds, terms, reinstates and transfers)?
Updates can have a retroactive effective date retro to 2 months plus the current month. This includes adds, changes, terminations, reinstates and transfers.
How do I change a member's coverage start date?
A member's coverage start date cannot be changed using Manage Eligibility. Please contact the Client Support Center at (800) 216-6248 for assistance.
How do I add a middle initial to a member or dependent name?
In the First Name field, enter the first name, a space and the middle initial.
How do I reinstate a terminated member and move them to a different division and class?
First reinstate the member under the previous division and then transfer the member to the new division/class on the Member Details Screen. Reinstate the member with the same effective date you wish to transfer to the division.
How do I update a member to reflect a COBRA status?
If you have a separate COBRA division, transfer the member to the active COBRA division.
Should I send paperwork to VSP for eligibility changes?
It is not necessary to send paperwork to VSP. With VSP's online Manage Eligibility tool, your changes have already been saved to our system.
What if I have a special circumstance?
Please contact the Client Support Center at (800) 216-6248 for assistance.
Claims employees frazzled day in and out
I have to say I am a bit new. I’ve never been in insurance and I have never experienced anything like being a liability adjuster. Claims is a different animal.
Adjusters are SWAMPED
Hey all- coming from a close friend of an auto insurance adjuster. The adjuster I speak of has spoken to adjusters from any insurance company you can think of. Just wanted to drop by and let you all know that every auto insurance company is drowning in claims right now. People are quitting, going on leave of absence or just taking mental time off.
Roof claim for hail damage, "item did not previously exist"
Roof was replaced due to hail damage. In the adjuster's estimate, one of the line items for "Ice and water barrier" reads
Car deemed a total loss, but insurance offered too little to replace
My husband's mint Chevy Astro was totalled recently. The insurance company has offered about $5K, citing comps that do not have the same features or mileage (40K more milage, 2WD instead of AWD, and have duct tape on the seats/are basically trashed when we have photos that show the van was in excellent condition).
Help with finding therapist without parents finding out
I’m looking to get a therapist through insurance but don’t want my parents (who the insurance is under) to find out. My dad works for a hospital and has an HMO plan through Northshore (a health system in IL). I am not quite sure how to even find a therapist and unsure abt how to navigate through it in general.
Dead car
So I just took a trip to Florida keys and when driving back to northern illinois a warning started on my 2014 chevy cruse disease (142k miles) about overheating. So I pulled over and looked at the engine and the coolant reserve was empty. So I waited 12 minutes in the 3 degree farenheit weather.
How much does a VSP get for contacts?
You still get a $150 allowance, which you can use to purchase contacts and the contact lens exam (see question above). Once you have your contact lens fitting exam, your VSP network doctor will let you know what types of contact options are available to you.
Does vision insurance give you savings?
It goes without saying that vision insurance gives you real savings compared to being uninsured — so much so that you can see the difference. If you’re new to VSP’s vision insurance plans or are looking into becoming insured, you may have specific questions regarding frame, lens and contact benefits. We’ve made a list of frequently asked questions ...
