Coverage

Davidson College, provides basic vision care insurance for all employees covered under a CIGNA medical insurance plan through Vision Service Plan (VSP).  In addition, employees can purchase additional vision coverage to extend the types of covered services.

Basic Coverage (when covered by a CIGNA HealthCare Plan)

Basic Coverage	Basic Coverage Amounts
One eye exam per year, when using an eye doctor in the VSP network	$20 co-pay
Lenses	20% discount when a complete pair of glasses is purchased
Frames	20% discount when a complete pair of glasses is purchased
Contact Lens Care	15% discount off contact lens fitting and evaluation exam.
Extra Discounts	Laser Vision Correction Discounts Prescription Glasses - up to a 20% savings on extras such as scratch resistant and anti-reflective coatings and progressives; 20% discount on prescription sunglasses or additional glasses

Additional Coverage "Buy Up" Option

There is a buy-up option for allowances on frames (every 2 years), lenses (yearly) or contact lenses (yearly). The VSP buy up plan is available to employees that elect the Davidson College CIGNA HealthCare. You must elect the same plan you elected for CIGNA (employee only, employee + spouse, etc.).   For example, if you have 'employee only' health insurance coverage, you can only select 'employee only' vision coverage.

Additional Coverage through Voluntary VSP (for in-network care)	Coverage Amounts
Eye exam covered in full after $20 co-pay	One per covered person every plan year
Prescription Glasses OR Contact Lens Care	Lenses covered in full every plan year; Frames (up to $130) every other plan year, plus 20% of any out-of-pocket expenses after $20 co-pay When you choose contacts instead of glasses, your $130 allowance applies to the cost of contacts and the contact lens exam (in addition to regular vision exam).
Extra Discounts	Laser Vision Correction Discounts Prescription Glasses - up to a 20% savings on extras such as scratch resistant and anti-reflective coatings and progressives; 20% discount on prescription sunglasses or additional glasses Contacts - 15% off of contact lens exam (fitting and evaluation)

Important Information

You get the best value from your VSP benefit when you visit a VSP network doctor.  If you decide not to see a VSP network doctor, you will also receive a lesser benefit and typically  pay more out-of-pocket.  You are required to pay the out-of-network provider in full at the time of your appointment and submit a claim within six months to VSP for partial reimbursement.  If you decide to see a non-VSP provider, call VSP first at the number listed below.

Eligibility

• The VSP buy up plan is available to all regular full-time and part-time employees that elect the Davidson College CIGNA HealthCare. You must elect the same plan you elected for CIGNA (employee only, employee + spouse, etc.). 
• All regular full-time employees, effective the first of the month following 30 days of continuous service
• All regular part-time employees (budgeted for at least 1000 hours/year), effective the first of the month following 60 days of continuous service

Cost

The cost of the basic VSP coverage is included in the cost of your CIGNA health plan.  The pre-tax  employee contribution amounts for the VSP additional buy-up vision coverage are as follows:

Coverage	Monthly	Bi-Weekly
Employee Only	$13.29/ month	$6.13/ bi-weekly
Employee + Child(ren)	$22.13/ month	$10.21/ bi-weekly
Employee + Spouse	$21.68/ month	$10.01/ bi-weekly
Family	$35.68/ month	$16.47/ bi-weekly

Forms, Links and Vendor Information

VSP Enrollment Form

VSP Coverage Brochure

Vision Service Plan (Plan Description)

VSP (Website)

Plan Administrator

Davidson College

Member Services

800-877-7195

Last Update 10/22/08