The Vision Plan helps you maintain healthy vision with coverage for routine eye exams, glasses, lenses, contact lenses and more. Services are available at a discounted group rate wherever the insurance is accepted. This ensures you and your dependents can save on vision care while receiving quality treatment and products through the network.

Plan Availability

The Vision Plan is available regardless of location and is available to benefit-eligible faculty, staff, retirees and eligible covered dependents. 

For more information on eligibility for benefits coverage, including covering dependents, see Benefit Eligibility & Program Structure.

How Much You Pay for Coverage

Costs

Monthly cost*

Premiums

Monthly employee premium cost* for active employees and retirees: 

  • Self only: $5.06 
  • Self and spouse: $10.08 
  • Self and child(ren): $11.00 
  • Self, spouse and child(ren): $17.41 

*Premiums are calculated differently for nine-month faculty. See Premiums for 9-Month Faculty for details. Retirees pay the same premium as active employees. 

Amount Owed Before Insurance Pays

Deductible

The Vision Plan does not have a deductible. 

Vision insurance through VSP utilizes the VSP Choice network. The plan provides a discounted group rate; that discounted group rate is available at all locations where VSP is accepted.

How Often Service is Covered

Service Frequency

  • Body: WellVision exam: Every calendar year 
  • Essential Medical Eye Care: Available as needed 
  • Lenses (in lieu of contact lenses):?Every calendar year 
  • Contact lenses (in lieu of lenses):?Every calendar year 
  • Frames:?Every other calendar year 
  • LightCare: Every other calendar year 

Covered Services & Discounts

WellVision Eye exam 

  • In-network: $10 copay/visit 
  • Out-of-network: Reimbursement up to $45 

Essential medical eye care 

  • In-network:  
    • $0 copay per retinal screening for members with diabetes 
    • $20 copay per exam for additional exams and services beyond routine care to treat immediate issues (e.g., pink eye; sudden changes in vision) or monitor ongoing conditions (e.g., dry eye, diabetic eye disease, glaucoma)  
      • Coordination with your medical coverage may apply. Ask your eye doctor for details. 

Glasses 

  • In-network: $25 copay, covers frames and lenses. 

Frames 

(any available frame at provider location) 

  • In-network:  
    • $140 frame allowance; $190 featured frame brands allowance 
    • 20% savings on the amount over your allowance 
  • Out-of-network: Reimbursement up to $47 

Lenses 

  • In-network: Covered without additional copay;  
    • Single vision, lined bifocal and lined trifocal lenses 
    • Linticular lenses 
    • Polycarbonate lenses- Children 
    • Standard progressive lenses 
    • Tint (Pink I and II) 
  • Out-of-network: Reimbursement up to:  
    • Single vision, lined bifocal and lined trifocal lenses: up to $45; $65; $85 
    • Lenticular lenses: up to $125 
    • Progressive lenses: up to $65 

For additional lens options, and costs, see the Member Benefits Summary listed below 

Contact lens fitting and follow-up 

  • In-network: Up to $40 maximum copay 

Contacts (materials only) 

  • In-network: $140 allowance for contacts; copay does not apply  
    • Contact lenses (conventional and disposable): $140 allowance, copay does not apply 
    • Necessary contact lenses: $25 copay, paid in full after copay 
  • Out-of-network: reimbursement (up to):  
    • Contact lenses (conventional and disposable): up to $125 
    • Necessary contact lenses: up to $210 

LightCare 

With VSP LightCare, you can use your frame and lens benefit to get non-prescription eyewear from your VSP network doctor. 

  • In-network: 
    • $140 allowance for ready-made non-prescription sunglasses, or ready-made non-prescription blue light filtering glasses, instead of prescription glasses or contacts 
    • $25 copay 

Routine retinal screening 

  • No more than a $39 copay on routine retinal screening as an enhancement to a WellVision exam. 

Laser vision correction 

  • Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities 

ID Cards

Insurance ID cards are not issued for the vision plan and are not required at time of service. At your appointment, let your in-network provider know that you have coverage through VSP to utilize your benefits. 

A VSP provider can look up member benefits using the last four digits of your social security number or your unique VSP ID number. If you need your unique VSP ID number, please contact the HR Service Center.

Additional Discounts

For Non-Enrollees

Even if you aren’t enrolled in the insurance plan, you can take advantage of the VSP Vision Savings Pass. This discount option is only available to employees/retirees and their family if no one in the family is enrolled in the full service vision plan.

Employee Discounts

The College of Optometry at UMSL offers discount opportunities to UM faculty, staff, and retirees. A list of discounts and locations is available on the UMSL Eye Care website.

Employee Discounts

Mizzou Optical and Mizzou Optical East in Columbia offer discounts to all University employees, retirees and their immediate families when no insurance plans are used. Features include 25% discount on glasses (frames and lenses) and 15% discount on contact lenses. 
Note: Mizzou Optical does not provide eye examinations. Appointments for eye exams can be made by calling (573) 884-3937. 

Mizzou Provider

Mason Eye is contracted with VSP to be a group authorized provider (GAP) for the University. Your VSP benefits will reflect in-network coverage at this provider, with some limitations. 

Hearing Support

TruHearing

VSP members, dependents, and even extended family members have access to hearing care discounts through TruHearing.

TruHearing makes hearing aids affordable by providing exclusive savings to all VSP Vision Care members. Visit TruHearing to learn more.

Close up of a pair of hands; one holds a hearing aid device while the other approaches to pick it up

Notice of Nondiscrimination

If you speak another language, assistance services, free of charge, are available to you. 
Call UnitedHealthcare at 1-844-634-1237 for translation assistance.

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