- Insurance Copays And Deductibles
- Materials Copay Vision Insurance
- Vsp Materials Copay
- Insurance Copay Meaning
Insurance Copays And Deductibles
- Vision insurance plans are only for diagnosing and treating vision related problems. If you visit your eye doctor for a medical issue, like pink eye, dry eye, or eye surgery, you would use your regular health insurance as these are considered medical services.
- Eyeglass lenses – Single vision, bifocal and trifocal lenses are covered in full by a materials co-pay. Plus, get generous allowances for lenticular and progressive lenses. Eyeglass frames – You can choose any frame, with no brand restrictions. Frame allowances are applied toward the purchase of any frame in a provider's collection.
2 Plan deductibles, coinsurance, copays, frequency limitations, allowances, and options may apply. Not all vision exams, materials or services are covered. For example, exams and materials required by an employer, medical or surgical treatment of the eyes, and any experimental or non-conventional treatment or devices are generally not covered.
What to Know About Vision Insurance Copays
You’ve likely encountered copays when using health insurance to visit a family physician or urgent care facility. Likewise, you’ll have copays when you see an eye doctor and use your vision insurance. Although copays are not new, there are a few common questions people typically ask about their vision plan copays. Here are the things you should know:
What is a copay?
When you visit an eye doctor, your vision copay is a fixed amount you pay for services.So when you get an eye exam, you pay a copay and your plan covers the rest. Your vision plan identifies what your copay is for vision services.
Why is a copay necessary?
Copays help you manage your budget by knowing ahead of time what you’ll have to pay during your visit.
Are copays the same for all vision insurance plans?
Copays can differ with each plan. You’ll typically find a copay for your exam, one for your glasses, and sometimes copays are associated with specific lens enhancements. That’s why it’s important to review your plan benefits.
What if I have other questions about copays or my plan?
Any time you have questions about your VSP® vision plan copays or your insurance plan in general, you can speak with our knowledgeable customer service team at 800.785.0699. Our service center is open Monday through Friday from 7a.m. to 7p.m. Central Time. We’re happy to do what we can to help you make the most of your VSP vision insurance!
Individual Vision Plan members not only love the benefits of low copays, they’re also happy about the frame coverage and provider network offered through their vision insurance plans. If you'd like to look at plans that are ideal for you and your family, visit our vision plan finder today.
Here’s what VSP Direct members have to say:
“I work on computers every day, so to be able to get a pair of computer glasses and only have to pay the copay is excellent.”
– D. Rimes
Materials Copay Vision Insurance
“My old insurance didn't cover enough for designer frames. But since I've had VSP, I can choose Gucci or Bebe and not go broke in the process.”
– D. Fletcher
“There was a great selection of providers in our area, including one close to my house.”
– M. Simmons
What is a Vision Preferred Provider Organization plan?
With the Vision Preferred Provider Organization plan (PPO) through Cigna, you and your family members have access to quality vision care. We offer a large specialty network1 of optometrists, ophthalmologists and nationally recognized eye care retailers so you'll have plenty of choices. You'll save the most money when you choose an in-network eye care provider.
Vsp Materials Copay
If you choose the Preferred Provider Organization Vision plan through Cigna, it's important to know you can:
Insurance Copay Meaning
- Find and use an in-network eye care provider near you. You can easily search the Cigna Vision Directory to find in-network eye care providers. Please be aware that the Cigna Vision PPO network is separate from Cigna's medical plan networks.
- Pay a copay at the time of service for in-network services, including any amount over the Vision PPO plan's allowance for materials (e.g., eyeglass frames and contact lenses) when the plan covers materials.2 There is no paperwork for you when you use in-network providers.
- You pay the full cost of out-of-network care when you get the service. You will need to submit a claim form and itemized receipt for reimbursement of any amount the Vision PPO plan covers. You save money when you use in-network providers.