I’ve never purchased vision insurance because I get my eyeglasses from Costco which is already pretty cheap.
I’m wondering if there’s any benefit to getting VSP. The independent optometrist at Costco also accepts VSP. I only go there to get an eye exam for eye glasses. All other matters, I always go to my ophthalmologist.
Anyway, could someone who have used VSP at Costco share their knowledge about copays/savings? I’ve tried asking my employer’s insurance agent but he just keeps giving me the same benefit sheet which is very vague so I thought I’d ask people here who have actually used VSP at Costco. Any chance there are VSP agents here?
Here are the benefits as listed on the VSP info sheet provided to my employer (provider network – VSP Choice):
Prescription glasses – copay $25 Frame – $150 (featured) or $130 frame allowance, 20% savings on the amount over your allowance Progressive lenses – copays are $0 (standard), $95-100 (premium), $150-175 (custom); Average savings of 30% on other lens enhancements Extra savings – 20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam.
I get new eyeglasses every other year. I wear progressive lenses (high index, AR, anti scratch, photochromic, anti blue light treatment, edge polish). The cost of lenses is $210.
Are these lenses considered standard, premium or custom? How much would the VSP copay for this be?
Regarding the frames, I don’t have additional questions mainly because the choices are limited for people like me who have to get metal (larger area for progressive lenses, adjustable nose pads) rimmed frames. I wish I can wear rimless but that’s not an option because I have a very high prescription. My metal frames from Costco cost ~$60.
On the “Extra savings”, how much are the savings if I get a second pair (computer glasses)? Without insurance, a second pair would also cost $210 (for lenses) minus the $X discount Costco often gives for buying a second pair.
Are the VSP discounts taken off at the store or do I have to submit a claim to VSP?
——-
Some ranting about Envision Eye care (Chicago’s Costco’s independent optometrist). A few years back, a customer can go in to get just the eye exam for prescription eyeglasses. That costs just ~$40. Now, they will do the whole exam (wellness eye exam, Fundus photography) even though it’s not needed thus raising the cost to $85. I tell them I don’t need a wellness eye exam because I already get it annually (or several times a year) from my ophthalmologist. I don’t understand why the health industry is pushing unnecessary redundant tests on people.
I still get my prescription eyeglass exam from them regardless because of the convenience. If there’s anything wrong with the eyeglasses (as has happened in the past), the optometrist is right there.
submitted by /u/Smurfiette
[link] [comments]I’ve never purchased vision insurance because I get my eyeglasses from Costco which is already pretty cheap. I’m wondering if there’s any benefit to getting VSP. The independent optometrist at Costco also accepts VSP. I only go there to get an eye exam for eye glasses. All other matters, I always go to my ophthalmologist. Anyway, could someone who have used VSP at Costco share their knowledge about copays/savings? I’ve tried asking my employer’s insurance agent but he just keeps giving me the same benefit sheet which is very vague so I thought I’d ask people here who have actually used VSP at Costco. Any chance there are VSP agents here? Here are the benefits as listed on the VSP info sheet provided to my employer (provider network – VSP Choice): Prescription glasses – copay $25 Frame – $150 (featured) or $130 frame allowance, 20% savings on the amount over your allowance Progressive lenses – copays are $0 (standard), $95-100 (premium), $150-175 (custom); Average savings of 30% on other lens enhancements Extra savings – 20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam. I get new eyeglasses every other year. I wear progressive lenses (high index, AR, anti scratch, photochromic, anti blue light treatment, edge polish). The cost of lenses is $210. Are these lenses considered standard, premium or custom? How much would the VSP copay for this be? Regarding the frames, I don’t have additional questions mainly because the choices are limited for people like me who have to get metal (larger area for progressive lenses, adjustable nose pads) rimmed frames. I wish I can wear rimless but that’s not an option because I have a very high prescription. My metal frames from Costco cost ~$60. On the “Extra savings”, how much are the savings if I get a second pair (computer glasses)? Without insurance, a second pair would also cost $210 (for lenses) minus the $X discount Costco often gives for buying a second pair. Are the VSP discounts taken off at the store or do I have to submit a claim to VSP? ——- Some ranting about Envision Eye care (Chicago’s Costco’s independent optometrist). A few years back, a customer can go in to get just the eye exam for prescription eyeglasses. That costs just ~$40. Now, they will do the whole exam (wellness eye exam, Fundus photography) even though it’s not needed thus raising the cost to $85. I tell them I don’t need a wellness eye exam because I already get it annually (or several times a year) from my ophthalmologist. I don’t understand why the health industry is pushing unnecessary redundant tests on people. I still get my prescription eyeglass exam from them regardless because of the convenience. If there’s anything wrong with the eyeglasses (as has happened in the past), the optometrist is right there. submitted by /u/Smurfiette [link] [comments]Read Morer/HealthInsurance