Vision Plan
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This individual vision insurance plan can help you save money on eye exams, eyeglass lenses and frames, and contacts. Here are more of the plan’s features:
- $10 eye exam copayment
- Eyeglass lenses are covered 100% after materials copayment
- $65 wholesale allowance for frames
- Medically necessary contact lenses are covered 100% after materials copayment
- $100 allowance for elective contact lenses
- One eye exam per year
The Spirit Vision Plan is available only as a rider to the Spirit Dental plan (not stand-alone). The vision rider is optional to purchase, but cannot be terminated separately from dental.
It only takes a minute to sign up online. Once you’re enrolled, you only pay $10 copayment for your annual examination and can visit any eye doctor in the EyeMed Vision Network.
How It Works
- First, sign up for coverage.
- Find a participating vision provide located near your home or office by visiting Spirit’s Vision Finder.
- When you see a Spirit participating provider, you’ll receive immediate benefits including:
- $10 eye exam copayment – 1 per year
- Eyeglass lenses are covered 100 percent after materials copayment
- $65 wholesale allowance for frames
- $40 wholesale allowance for single lenses
- Medically necessary contact lenses are covered 100% after materials copayment
- $100 allowance for elective contact lenses
- You pay only the fees listed on the schedule of benefits
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Cost Scenario
How much will you save with a Spirit vision plan? Take a look at what some common procedures can cost without insurance:
- Eye Exam: $90
- Frames: $90
- Sigle vision lenses: $70
- Total Cost: $280
Your cost with a Spirit vision plan, here are your costs for the same services:
- Eye Exam: $10 co-payment
- Frames: $25
- Sigle vision lenses: $30 co-payment
- Total Cost: $65
You can save up to $215 with the Spirit Vision Care Plan
Summary of Benefits
| Vison Services | Benefit |
| Vision Exam | $10 copayment |
| Lenses | $25 copayment |
| Frames | $40 wholesale allowance |
| Second pair of eyeglasses | You get 20% off |
| Exam Frequency | Once every 12 months |
| Frame Frequency | Once every 24 months |
| Contact Lens Allowance | $100 retail allowance |
| Lenses or Contact Lens Frequency | Once every 12 months |
Vision Plan Rates
| Under age 65 – Monthly Premium | Price |
| 1 person | $7.80 |
| 2 persons | $14.90 |
| 3 or more persons | $19.97 |
| Over age 65 – Monthly Premium | Price |
| 1 person | $9.36 |
| 2 persons | $17.88 |
| 3 or more persons | $23.96 |
How does Wholesale Frame Allowance Work?
Benefits include a wholesale frame allowance. If the wholesale cost exceeds the frame allowance, members pay twice the wholesale difference. They never pay full retail.
| Retail Price | Wholesale Price | Wholesale Allowance | Member Pays | Savings |
| $80-$120 | $40 | $40 | $0 | $80-$120 |
| $140-$210 | $70 | $40 | $60 ($70-$40=$30 x 2=$60) |
$80-$150 |
Effective Dates
Vision effective dates are calculated as follows:
- If application is received between the 1st and 15th of the month, the policy effective date will be the 1st of the following month. 1. Example: Application received on May 10th will have an effective date of June 1st.
- If application is received between the 16th and end of the month, the policy effective date will be the 1st of the 2nd following month (the month after the following month). 1. Example: Application received May 18th for processing will have a policy effective date of July 1st.
Payment Options
Payment options include monthly and annual bank draft and monthly and annual credit card payments (Visa and Mastercard).
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