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Mitchell County Schools, NC | Plan Year: September 1, 2008 to August 31, 2009

   
 

Vision Plan

   
 

Vision Plan Details

 

Rates

  Materials Only Plan
  Materials Only Rates
 

Forms


     
 

Superior Vision

 
     
     
 

 
     
     
 

Please call your Personnel Office for
a
ll questions concerning this plan.

 
     
     

Disability is a Fact of Life

 

Superior Vision Plan Details

Outline of Benefits - Gold Preferred Plan With Materials Discount
Vision Plan - Preferred Provider (PPO / Indemnity)

Copayment Amount***
$10.00 Exam
$15.00 Materials
$35.00 Contact Lens Fitting Fee

Benefits

Frequency

In-network

Non-Network

Comprehensive Exam
(Ophthalmologist MD)

12 Months

Covered in Full

  Up to $44.00

Comprehensive Exam
(Optometrist OD)

12 Months

Covered in Full

Up to $39.00

Standard Lenses (per pair): 12 Months
Single Vision 12 Months Covered in Full Up to $34.00
Bifocal 12 Months Covered in Full Up to $48.00
Trifocal 12 Months Covered in Full Up to $64.00
Lenticular 12 Months Covered in Full Up to $88.00
Contact Lenses (per pair)*: 12 Months
Medically Necessary 12 Months Covered in Full Up to $210.00
Cosmetic (Elective**) 12 Months Up to $100.00 Up to $100.00
Frames (Standard)** 24 Months Up to $100.00 Up to $50.00

*Contact lenses are in lieu of eyeglass lenses and frames benefit.
**The insured is responsible for paying any charges in excess of this allowance.
***Copayments apply to in-network benefit and are deducted from non-network reimbursements.

How to use your benefit

In-Network
• Select a provider from the Superior Vision Services Provider Network.
• Use your personalized I.D. card to identify yourself. Provider will call SVS to verify eligibility. No paperwork is required from you.
• Pay the provider directly for the exam co-pay and the cost of any non-covered item.

Out-of-Network
• Call SVS Member Services for your authorization number.
• Pay the non-network provider for all products and services.
• Submit your original itemized billing from the provider, along with your authorization number, to SVS Member Services for reimbursement in accordance with the Non-Network Schedule of Allowances less the exam co-pay if applicable.

DISCOUNTS ON ADDITIONAL PURCHASES

• Prescription eyeglass lenses

30% discount off retail prices

• Eyeframes

30% off discount off retail prices

• Add-on charges to basic lenses

20% off discount off retail prices

• Contact lenses, standard hard or soft

20% off discount off retail prices

• Disposable contact lenses

10% off discount off retail prices
• All other prescription materials 20% off discount off retail prices

DISCOUNT SVP8-20
Frames - 20% off the difference between the covered frame Allowance and the retail price of the selected frame.

Add-on charges to covered pair of lenses:

Member pays 20% off retail up to:
• Factory Scratch Coat $13 (Single Vision & Standard Multifocal lenses)
• Ultraviolet Coat $15 (Single Vision & Standard Multifocal lenses)
• Standard Anti-Reflective coat* $50 (Single Vision & Standard Multifocal lenses)
• High Index 1.6* $55 (Single Vision lenses only)
• Polycarbonate $40 (Single Vision lenses only)
• Standard Photochromic $80 (Single Vision lenses only)
• Glass coloring $35 (Any Type lenses)
• Plastic Tints solid or gradient $25 (Any Type lenses)
• Power over 4.00 Sphere, 2.00D Cylinder & 5.00 Prism 20% off retail prices (any type lenses)
• Cosmetic finishing, Beveling, Edging, and Mounting 20% off retail prices (any type lenses)
• Miscellaneous Options 20% off retail prices (any type lenses)

* Higher end or brand name lens upgrades are at an additional expense to the member. Apply maximum out of pocket expense toward upgraded lens retail cost and member is responsible for the difference less 20%.

Refractive Surgery Discounts
Superior Vision Services has a nationwide network of refractive surgeons who specialize in the popular elective procedures of radial keratotomy (RK), photo-refractive keratotomy (PRK) and LASIK. These providers offer Superior Vision Plan members a 20% discount off their usual and customary surgical fees for these procedures. Ophthalmic plastic surgeons are also contracted to provide the procedure of blephoraplasty (cosmetic eyelid surgery) to Superior Vision Plan members on the same discount basis.

Exclusions (products & services not covered):
There is no benefit coverage for the following products and services.

• Professional Services and/or Materials in conjunction with:
 

• blended bifocals, no line, or progressive lenses
• compensated or special multi-focal lenses
• plain (non-prescription) lenses
• anti-reflective, scratch, UV400, or any coating or laminate applied to lenses
• subnormal vision aids
• tints, other than solid
• orthoptics, vision training and developmental vision procedures
• polycarbonate lenses

• Medical or surgical treatment of the eyes
• Any eye examination or any corrective eyewear required by an Employer as a condition of employment
• Any injury or illness when covered under Workers Compensation or similar law • Plain or prescription sunglasses, no-line bifocals, blended lenses are not covered; an Insured may elect to apply the maximum allowance for standard lenses toward his, or her cost of progressive lenses
• Subnormal vision aids
• Services rendered or Materials purchased outside the U.S. or Canada unless the member resides in the U.S. or Canada; and the charges are incurred while on a business or pleasure trip
• Charges in excess of the Usual, Customary and Reasonable charges for the Professional Service or Materials
• Experimental or non-conventional treatment or device
• Safety eyewear
• Spectacle lens styles, materials, treatments, or "add-ons" not shown in the Benefits Summary
• Services or Materials rendered by a provider other than an Ophthalmologist, Optometrist or Optician acting within the scope of his, or her license
• Any additional service required outside basic vision analysis for contact lenses, except fitting fees
• Services rendered after the date an Insured ceases to be covered under this Certificate, except when vision Materials ordered before coverage ended are delivered, and the services rendered to the Insured within 31 days from the date of such order
• Services rendered or Materials ordered before the date of coverage began under this Certificate
• Regardless of Optical Necessity, benefits are not available more frequently than that which is specified in the Benefits Summary

 

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Rates

  Monthly Cost
Employee Only $9.90

Employee + One Dependent

$19.22
Employee + Family

$28.24

 

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Materials Only Plan
Perferred Provider (PPO) Indemnity)
Copayment : $15.00 Materials
                        $25.00 Contact Lens Fittng Fee

BENEFITS FREQUENCY IN-NETWORK NON-NETWORK
Eye Exams No Benefit No Benefit No Benefit
Lenses (Standard) per Pair
Single Vision 12 Months Covered in Full Up to $34.00
Bifocal 12 Months Covered in Full Up to $48.00
Trifocal 12 Months Covered in Full Up to $64.00
Lenticular 12 Months Covered in Full Up to $88.00
Contact Lenses (Per Pair)*
Medically Necessary 12 Months Covered in Full Up to $210.00
Cosmetic (Elective)** 12 Months Up to $120.00 Up to $100.00
Standard Contact Lens Fitting Fee*** 12 Months $25.00 Copay Not Covered
Specialty Contac Lens Fitting Fee*** 12 Months $25.00 Copay Not Covered
Frames (Standard) 24 Months Up to $100.00 Up to $50.00

* Contact lenses are in lieu of eyeglasses and frames benefit.
** The insured is responsible for paying any charges in excess of this allowance.
*** Standard contact lens fitting fee applies to an existing contact lens user who wears diposable, daily wear, or extended wear lenses only. The specialty contact lens fitting fee applies to new contact lens wearers and/or a member who wears toric, gas permeable, or multifocal lenses. For the specialty fit, the member is responsible for any charges over $50.

DEFINITIONS OF CONTACT LENSES
Contact/Lenses, Elective/Cosmetic
Elective/Cosmetic contact lenses are those tat are worn solely for cosmetic or convenience reasons. They are chosen because they are preferred over the wearing of conventional eyeglasses. Contact lenses covered by the Plan must contain a prescription for correctiong a vision deficiency. Changes over the benefit allowance are paid directly to the provider

CONTACT LENSE, MEDICALLY NECESSARY
These lenses must be specifically prescribed by the eye doctor to be used for the reason or reasons described below. Reimbursement for these lenses will be considered as payment-in-full when utilizing an in-network provider.

Note: The narrowing of visual fields due to high minus or high plus corrections is not considered a reason for medically necessary contact lenses.

MATERIALS SVP8-20 DISCOUNT SCHEDULE
Featured are 20% discounts on the provider's charges for upgrades to the 1st pait of covered eyeglass lenses. This includes tints, coatings special materials and special lense designs

Also included are discounts on the purchases or additional pairs of eyelglasses and contact lenses. See the schedule below. These materials discounts are available from in-network providers who are identified in the directory with a "DP" (discount plan) associated with their listing as a services they provide at the location.

FRAMES
No restrictions apply
30% Off Retail
LENSES (Uncoated Plastic-CR39, or glass)
Single Vision
Bifocal (FT 25-35 & Executive)
Trifocal (FT 7X25,7X28, or 8X35 & Executive)
Progressive
Zyl and Metal Mounting
30% Off Retail

ADD-ON TO BASE LENSES
Tint, Coatings, Colored Lenses
Power over 4.00D Sphere, 2.00D Cylinder & 5.00D Prism
Polycarbonate, High Index, Photochromatics
Cosmetic Finishing, Beveling, Edging & Mounting

20% Off Retail
EVERYDAY 'Frames & Lens Package Pricing" 20% Off Retail
CONTACT LENSES 20% Off Retail
DISPOSABLE CONTACT LENSES 10% Off Retail
ALL OTHER MATERIALS 20% Off Retail

Refractive surgery Discounts & Cosmetic Eyelid Surgery Discounts are available: Superior Vision Services has a nationwide network of refractive surgeons who specialize in the popular elective procedures of radial keratotomy (RK), photo-refractive keratotomy (PRK) and LASIK. These providers offer Superior Vision Plan members a 20% discount off their ususal and customary surgical fees for these products. Opthalmic plastic surgeons are also contracted to provide the procedure of blephoraplasty (cosmetic eyelid surgery) to Superior Vision Plan members on the same discount basis.

EXCLUSIONS (products & services not covered):
There is no benefit coverage for the following products and services.

Note: This is only a summary of the benefit plan. You may review and/or obtain a copy of the Master Policy and Certificate by contacting your Human Resources/Employee Benefits Office.

 

Monthly Cost - Materials Only Plan
Employee Only $  6.78
Employee + One $13.18
Employee + Family $19.32