VISION INSURANCE: Enrollment Available Immediately. No Underwriting Required
The NAIFA group vision plan is provided by MetLife (Metropolitan Life insurance Company) – a leading global provider of vision insurance. Good vision is essential in all types of occupations, and you are more likely to get preventive eye exams when you have vision insurance. Regular eye exams help to identify and treat health issues early on.*
www.allaboutvision.com/eye-exam/importance.htm.
Download the Vision Plan Summary here.
The NAIFA group vision plan is provided by MetLife (Metropolitan Life insurance Company) – a leading global provider of vision insurance. Good vision is essential in all types of occupations, and you are more likely to get preventive eye exams when you have vision insurance. Regular eye exams help to identify and treat health issues early on.*
- For a list of participating providers, use the "Find a Vision Provider" tool at https://www.metlife.com . For a list of participating providers, use the Find a Vision Provider tool at metlife.com. Select Find a Vision Provider, choose VSP Choice as the network, complete the information requested and hit the Search button.
- Coverage is effective on the first of the month following enrollment.
- Value added feature: 20% off the cost for additional pairs of prescription glasses and non-prescription sunglasses, including lens enhancements.
www.allaboutvision.com/eye-exam/importance.htm.
Download the Vision Plan Summary here.
HOW TO APPLY
To begin your application, click on the link below. You will be directed to the Ryan Insurance Strategy Consultants application website. Be sure to answer all questions related to the application to the best of your knowledge.
To begin your application, click on the link below. You will be directed to the Ryan Insurance Strategy Consultants application website. Be sure to answer all questions related to the application to the best of your knowledge.
CUSTOMER SERVICE PORTAL
Visit our customer service portal to view your policy information, update your personal information, change the bank account used to pay your premiums and update your monthly earnings for your disability policy(s). Once on the customer service portal homepage, click the red button to download the user guide and information on how to register. If you have additional service and/or administrative questions you can call the customer service center at: (866)809-3899 or email the customer service center at: [email protected]. The customer service center fax number is: (816)-968-0660.
COVERAGE DETAILS
Eligibility
All active members of the NAIFA association and their employees, working 20 hours per week.
Cancelation of coverage – Lifetime lockout to re-enroll
There is a lifetime lockout for those who cancel coverage and wish to re-enroll at a later date.
Eligibility
All active members of the NAIFA association and their employees, working 20 hours per week.
Cancelation of coverage – Lifetime lockout to re-enroll
There is a lifetime lockout for those who cancel coverage and wish to re-enroll at a later date.
Reimbursement |
In-Network Coverage (Using a Network Provider) |
Out-of-Network Reimbursement (Using a Non-Network Provider) |
Comprehensive exam of visual functions and prescription of corrective eyewear. |
$10 copay |
$45 allowance |
Retinal Imaging This screening is used to take pictures of the inside of the eye particularly the retina to look for possible changes. |
Up to $39 copay |
Applied to the exam allowance |
Standard Corrective Lenses
|
|
|
Standard Lens Enhancement |
Coverage |
In-Network and Out of Network Allowance |
Ultraviolet coating |
Covered in Full |
Applied to the allowance for the applicable corrective lens |
Polycarbonate (child up to age 18) |
Covered in Full |
Applied to the allowance for the applicable corrective lens |
Progressive Standard |
Covered in Full |
$50 allowance |
Progressive Premium/Custom |
Premium: Up to $95-$105 copay Custom: Up to $150-$175 copay |
$50 allowance |
Polycarbonate (adult) |
Single Vision: Up to $31 copay Multifocal: Up to $35 copay |
Applied to the allowance for the applicable corrective lens |
Scratch-resistant coating (variable by type) |
Up to $17 - $33 copay |
Applied to the allowance for the applicable corrective lens |
Tints (variable by type) |
Single Vision: Up to $17 - $34 copay Multifocal: Up to $17 - $44 copay |
Applied to the allowance for the applicable corrective lens |
Anti-reflective coating (variable by type) |
Up to $41 - $85 copay |
Applied to the allowance for the applicable corrective lens |
Photochromic (variable by type) |
Up to $47 - $82 copay |
Applied to the allowance for the applicable corrective lens |
Frame Allowance (You will receive an additional 20% off any amount that you pay over your allowance. This offer is available from all participating locations except Costco, Walmart and Sam’s Club.) Costco, Walmart and Sam’s Club |
$130 allowance $70 allowance |
$70 allowance |
Costco, Walmart and Sam’s Club-All product and company names are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
CONTACT LENSES |
Coverage |
Allowance |
Elective |
$130 allowance |
$105 allowance |
Necessary |
Covered in full after eyewear copay |
$210 allowance |
Contact Fitting and Evaluation |
Standard or Premium fit: Covered in full with a maximum copay of $60 |
Applied to the contact lens allowance |
ADDED VALUABLE FEATURES |
AVAIALBLE |
Additional Savings on Glasses and Sunglasses1 |
Get 20% off the cost for additional pairs of prescription glasses and non-prescription sunglasses, including lens enhancements. At times, other promotional offers may also be available. |
Laser Vision Correction2 |
Savings averaging 15% off the regular price or 5% off a promotional offer for laser surgery including PRK, LASIK and Custom LASIK. Offer is only available at MetLife participating locations. |
- Member costs for listed lens enhancements will be limited to copays that MetLife has negotiated with participating providers. These copays can be viewed by members after enrollment at www.metlife.com/mybenefits. Lens enhancements are available at participating private practices. Pricing is subject to change without notice. Please check with your provider for details and availability prior to receiving services. Additional discounts may not be available in certain states or at certain retail locations.
- Custom LASIK coverage only available using wavefront technology with the microkeratome surgical device. Other LASIK procedures may be performed at an additional cost to the member. Laser vision care discounts are only available from participating locations. Note: Discount off retail. Not all providers participate in vision program discounts, including the member out-of-pocket features. Call your provider prior to scheduling an appointment to confirm if the discount and member out-of-pocket features are offered at that location. Discounts and member out-of-pocket are not insurance and subject to change without notice.
- The VSP Choice network allows you to access discounted laser correction services. May not be available in all states or regions. Custom LASIK coverage only available using wavefront technology with the microkeratome surgical device. Other LASIK procedures may be performed at an additional cost to the member. Additional savings on laser vision care is only available at participating locations. Not everyone will qualify for LASIK surgery. Results will vary. Please discuss outcomes with your eyecare provider.
Supplemental Rider Benefit Information
In-Network |
Out-of-Network |
Low Vision Once every 24 months
|
Low vision: -Supplemental evaluation and aids: Same as in-network benefits. |
Frequency and Exclusions
Either glasses or contacts allowed per frequency
Either glasses or contacts allowed per frequency
Class Description: All Active Members |
Frequencies |
Examinations |
1 per 12 Months |
Standard Corrective Lenses |
1 per 12 Months |
Frames |
1 per 12 Months |
Contact Lenses |
1 per 12 Months |
Exclusions
- Services and/or materials not specifically included in the Schedule of Benefits as covered Plan Benefits.
- Any portion of a charge in excess of the Maximum Benefit Allowance or reimbursement indicated in the Summary of Benefits.
- Plano lenses (lenses with refractive correction of less than ± .50 diopter)
- Two pairs of glasses instead of bifocals.
- Replacement of lenses, frames and/or contact lenses furnished under this Plan which are lost, stolen or damaged, except at the normal intervals when Plan Benefits are otherwise available.
- Orthoptics or vision training and any associated supplemental testing.
- Medical or surgical treatment of the eyes.
- Prescription and non-prescription medications.
- Contact lens insurance policies or service agreements.
- Refitting of contact lenses after the initial (90-day) fitting period.
- Contact lens modification, polishing or cleaning.
- Local, state and/or federal taxes, except where MetLife is required by law to pay.
- Any eye examination or any corrective eyewear required as a condition of employment.
- Services and supplies received by You or Your Dependent before the Vision Insurance starts for that person.
- Missed appointments.
- Services or materials resulting from or in the course of a Covered Person’s regular occupation for pay or profit for which the Covered Person is entitled to benefits under any Workers’ Compensation Law, Employer’s Liability Law or similar law. You must promptly claim and notify the Company of all such benefits.
- Services: (a) for which the employer of the person receiving such services is not required to pay; or (b) received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital.
- Services or materials received as a result of disease, defect, or injury due to war or an act of war (declared or undeclared), taking part in a riot or insurrection, or committing or attempting to commit a felony.
- Services and materials obtained while outside the United States, except for emergency vision care.
- Services, procedures, or materials for which a charge would not have been made in the absence of insurance.
Current Monthly Vision Rates. Rates are subject to change.
PARTICIPANT |
RATE |
Member Only Member + Spouse Member + Child(ren) Member + Family |
$10.95 per month $21.95 per month $18.95 per month $30.65 per month |
Underwritten by:
Metropolitan Life Insurance Company 200 Park Avenue New York, New York 10166 |
Administration by:
Forrest T. Jones and Company, Inc. 3130 Broadway Kansas City, Missouri 64111 |
Vision Insurance is provided by Metropolitan Life Insurance Company (MetLife), New York, NY. Certain claim and network administration services are provided through Vision Service Plan (VSP), Rancho Cordova, CA. VSP is not affiliated with MetLife or its affiliates. Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact MetLife or your plan administrator for costs and complete details. If you choose an out-of-network provider, you may have increased expenses, will need to pay in full at the time of services, and will need to file a claim with MetLife for reimbursement.
Your actual savings from enrolling in a vision plan will depend on various factors, including the plan chosen, plan premiums, number of visits to an eye care professional by your family per year, and the cost of services and materials received. Be sure to review the Schedule of Benefits for your plan's specific benefits and other important details. If you choose an out-of-network provider, you may have increased expenses, will need to pay in full at the time of services, and will need to file a claim with MetLife for reimbursement L0822025452[exp0824][All States][DC,GU,MP,PR,VI] © 2024 MSS
Your actual savings from enrolling in a vision plan will depend on various factors, including the plan chosen, plan premiums, number of visits to an eye care professional by your family per year, and the cost of services and materials received. Be sure to review the Schedule of Benefits for your plan's specific benefits and other important details. If you choose an out-of-network provider, you may have increased expenses, will need to pay in full at the time of services, and will need to file a claim with MetLife for reimbursement L0822025452[exp0824][All States][DC,GU,MP,PR,VI] © 2024 MSS