Vision Insurance

Vision Insurance  

Overview

The EyeMed Vision Care Program offered by EyeMed Vision Care provides discounts and benefits for glasses and contact lenses with services received from private ophthalmologists and optometrists, or retail providers. There are two different plan designs to choose from:

  • Plan that includes an eye exam
  • Plan that does not include an eye exam

     

Benefits and discounts are given at the time of service or when a purchase is made.

 

EyeMed Vision Care offers a large network of providers, including top retail chains LensCrafters®, Target Optical®, and most Pearle Vision® locations.

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Begin your enrollment process by clicking on this button

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The Vision Care Program is administered by EyeMed Vision Care. Enrollees can add or drop this plan only once a year, during the annual enrollment period held in the fall, with a coverage effective date of the following January. Once you are enrolled in the plan, your coverage will automatically roll over to the following plan years, unless you elect to cancel your coverage during Annual Enrollment periods.

 

The Program is designed to cover plastic or contact lenses once every 12 months, and frames once every 24 months. If you purchase your eyeglass lenses in-network, EyeMed Vision Care covers the full cost of basic lenses with no co-pay and covers optional treatments and lens upgrades with a range of co-pay amounts. Contact lenses can be purchased, instead of eyeglass lenses, with a $150 allowance towards your purchase and an additional 15% off the balance for conventional contact lenses. If contact lenses are medically necessary, the full cost for the contact lenses is covered. For frames purchased in-network, EyeMed provides an allowance up to $150 and 20% off the balance.

 

Discounts are also available on Laser Vision Correction procedures such as LASIK and PRK.

 

Life Events

IRS PERMITTED ELECTION CHANGES (“LIFE EVENTS”)

 

If you have previously completed your enrollment in the Vision Care Program and want to make a change to your coverage due to an IRS Permitted Election Change (“Life Event”), you may call 1-866-305-1043 to speak with a customer service representative to initiate the change. The change to your coverage must be consistent with the life event you've experienced. A change in coverage must be requested within 31 days of the life event. Allina may validate IRS Permitted Election Changes by requesting supporting documentation from you and will reverse any coverage change if the life event is determined to be invalid.

 

IRS permitted election changes are as follows:
Legal Marital Status Events that change an employee's legal marital status, including marriage, divorce, or death of a spouse.
Number of Dependents Events that change an employee's number of dependents, including birth, adoption, or death of a dependent.
Employment Status A termination or commencement of employment by an employee or his/her spouse or dependent.
Work Schedule Events such as an unpaid FMLA or disability leave.
Gain or Loss of Dependent Eligibility Events that cause an employee's dependent to satisfy or cease to satisfy requirements for coverage as provided under the plan.
Residence or Worksite A change in the residence or work location of the employee, spouse or dependent.
Judgment/Court Order (QMCSO) Events such as when a court order, judgment, or decree is issued, including a Qualified Medical Child Support Order requiring coverage for a dependent.
Medicare/Medicaid Entitlement Events in which an employee, spouse or dependent becomes entitled to Medicare or Medicaid.
Find a Provider

 

To locate a vision provider, you can access EyeMed Vision online. The name of your network is "Select".

Forms

For a summary of the EyeMed Vision Care Coverage

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • What is covered through the program?

    You can receive benefits and discounts for glasses and contacts. Under the program, you are eligible for lenses (eyeglass or contacts) once every 12 months, and eyeglass frames once every 24 months. If you visit an in-network provider, the program covers:

    • Comprehensive eye exam with dilation (as needed) for a $10 copay
    • The full cost of basic lenses with for a $10 copay (progressive lenses available for an additional charge)
    • Scheduled pricing on popular lens materials and treatments*
    • Frames with an allowance up to $130 and 20 percent off the balance*
    • Contact lenses, instead of eyeglass lenses, with an allowance up to $130 and 15 percent off the balance if purchasing conventional contact lenses*
    • The full cost of medically necessary contact lenses


    Additional Discounts Available:

    30% discount on non-listed lens treatments
    40% discount on additional complete eyeglass purchases
    20% discount on non-prescription sunglasses

    15% discount off the retail price or 5% off promotional price for LASIK or PRK procedures

    *Discounts are not insurance. Discounts available at participating in-network providers.

    Benefits are also available at non-participating providers; for a complete list of benefits, please refer to the summary of benefits.

  • When can I enroll?

    Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.

    If you have a qualifying family status change, you may make changes that are consistent with the family status change you experience throughout the year. Any change you make to your benefit coverage must be made within 30 days of the qualifying event; otherwise you will have to wait until the next open enrollment period.

    • Marriage, divorce, or annulment;
    • Birth, adoption, or placement of a child for adoption;
    • Death of your spouse or dependent child;
    • Change in a dependent child's eligibility;
    • Loss of coverage or inception of coverage;
    • Change in employment status of you or your spouse that results in a loss of coverage or inception of coverage.
  • Are online contact lens purchases covered under the program?

    Yes! EyeMed members who purchase contact lenses online can apply their contact benefits at ContactsDirect, completing the transaction online, from start to finish.

    EyeMed is all about making vision benefits easy. Go to www.contactsdirect.com to open an account or watch a video that walks you through the process, step-by-step. Your contact lens allowance will apply right in the shopping cart. Once you’ve made your purchase, contact lenses will ship in the blink of an eye, after the prescription is verified.
  • What happens to my vision insurance if I leave Ross or dd's?

    Upon separation of employment with Ross or dd's, you may be eligible for continued coverage under COBRA.
  • What if I want to drop coverage in this program?

    Enrollees can drop this program during the annual enrollment period or if you have a qualifying family status change.
  • Who is eligible?

    Part-time Associates are the primary eligible individuals. Spouse/domestic partners and children may be covered only when the primary individual is enrolled in a coverage level that includes dependents.
  • How do I locate an in-network provider near me?

    Click Here and enter your ZIP Code to find a list of in-network providers near you.
  • How do I get a copy of the Certificate of Insurance?

    The Certificate of Insurance is available by clicking here or by contacting your employer.

Benefits are not provided from services or materials arising from:

  1. Orthoptic or vision training, subnormal vision aids and any associated supplemental testing; Aniseikonic lenses;
  2. Medical and/or surgical treatment of the eye, eyes or supporting structures;
  3. Any eye or Vision Examination, or any corrective eyewear required by a Policyholder as a condition of employment; Safety eyewear;
  4. Services provided as a result of any Workers’ Compensation law, or similar legislation, or required by any governmental agency or program whether federal, state or subdivisions thereof;
  5. Plano (non-prescription) lenses;
  6. Non-prescription sunglasses;
  7. Two pair of glasses in lieu of bifocals;
  8. Services or materials provided by any other group benefit plan providing vision care
  9. Services rendered after the date an Insured Person ceases to be covered under the Policy, except when Vision Materials ordered before coverage ended are delivered, and the services rendered to the Insured Person are within 31 days from the date of such order.
  10. Lost or broken lenses, frames, glasses, or contact lenses will not be replaced except in the next Benefit Frequency when Vision Materials would next become available.


Benefits may not be combined with any discount, promotional offering, or other group benefit plans.
Benefit allowance provides no remaining balance for future use within the same benefit year. 
Underwritten by Fidelity Security Life Insurance Company of Kansas City, Missouri. Fidelity Security Life Policy number VC-132, form number M-9083. This is a snapshot of your benefits. The Certificate of Insurance is on file with your employer.

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