Lifetime Assurance Health

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National Care Vision

Affordable Vision Insurance with no waiting periods and guaranteed issue.

Product Details

Coverage includes but not limited to:

  • frames
  • lenses
  • contact lenses
  • eye exams

Copay
$10 Exam / $25 Materials per Covered Person per Office Visit

Exam
Every 12 months

Lenses
Every 12 months

Frame
Every 12 months

Exams

WellVision Exam

Participating Providers
Covered after $10 Exam Copay

Non-Participating Providers
Up to $45 after $10 Exam Copay

Contact Lens Exam

15% Savings on a contact lens exam

Lenses

Single Vision

Participating Providers
Covered after $25 materials Copay

Non-Participating Providers
Up to $30.00 after $25 Materials Copay

Lined BiFocal

Participating Providers
Covered after $25 materials Copay

Non-Participating Providers
Up to $50.00 after $25 Materials Copay

Lined TriFocal

Participating Providers
Covered after $25 materials Copay

Non-Participating Providers
Up to $65.00 after $25 Materials Copay

Lenticular

Participating Providers
Covered after $25 materials Copay

Non-Participating Providers
Up to $100.00 after $25 Materials Copay

Impact-Resistant (polycarbonate) lenses for children

Fully covered with no deductible up to age 18

Frames and Contact Lenses

Frames

Participating Providers
$120 allowance every 12 months

Non-Participating Providers
Up to $70.00 allowance every 12 months

Elective Contact Lenses

Participating Providers
$150 allowance every 12 months

Non-Participating Providers
Up to $105.00 allowance every 12 months

Necessary Contact Lenses

Participating Providers
N/A

Non-Participating Providers
N/A

Discounts & Savings

  • Average 20-25% savings on other lens enhancements
  • 20% off additional glasses and sunglasses, including lens enhancements, from any VSP doctor within 12 months of the patient’s last WellVision Exam.
  • Extra $20 to $40 on featured frame brands
  • Laser Vision Correction- Average 15% savings on the regular price or 5% savings on the promotional price from the contracted facilities.

Exclusions and Limitations of Benefits

Some brands of spectacle frames and lenses may be unavailable for purchase as plan benefits or may be subject to additional limitations. Covered Persons may obtain details regarding frame brand availability from their VSP Preferred Provider or by calling VSP’s Customer Care Division at (800) 877-7195.

Patent Options

This Plan is designed to cover visual needs rather than cosmetic materials. When the Covered Person selects any of the following extras, the Plan will pay the basic cost of the allowed lenses, and the Covered person will pay the additional costs for the options.

  • Optional cosmetic processes.
  • Anti-reflective coating.
  • Color coating.
  • Mirror coating.
  • Blended lenses.
  • Cosmetic lenses.
  • Laminated lenses.
  • Oversize lenses.
  • Polycarbonate lenses.
  • Photochromic lenses, tinted lenses except Pink #1 and Pink #2.
  • Progressive multifocal lenses.
  • UV (ultraviolet) protected lenses.
  • Certain limitations on low vision care.

 

There are no benefits for professional services or materials connected with:

  • Services and/or materials not included as plan Benefits in this Policy.
  • Other Insurance Coverage VSP will not coordinate Plan Benefits payable under this Plan with any other private or government insurance plan, including any other plan underwritten by VSP.
  • Orthoptics or vision training and any associated supplemental testing.
  • Corneal Refractive Therapy (CRT).
  • Orthokeratology (a procedure using contact lenses to change the shape of the cornea in order to reduce myopia).
  • Refitting of contact lenses after the initial (90-day) fitting period.
  • Plano lenses (lenses with refractive correction equal to or less than ± .50 diopter).
  • Two pair of glasses in lieu of bifocals.
  • Replacement of lenses and frames furnished under this Policy which are lost or broken, except at the normal intervals when services are otherwise available.
  • Medical or surgical treatment of eyes.
  • Plano contact lenses to change eye color cosmetically.
  • Artistically-painted contact lenses.
  • Contact Lenses insurance policies or service contracts.
  • Additional office visits associated with contact lens pathology.
  • Contact lens modifications, polishing or cleaning.
  • Costs for services and/or materials exceeding Plan Benefit allowances.
  • Services or materials of a cosmetic nature.
  • Local, state and or federal taxes, except where VSP is required by law to pay.
  • Corrective vision treatment of an experimental Nature.
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