Vision Plans

MSC Services vision insurance is offered through Unum. To receive the most from your benefits, it's important to always stay in-network.

New for 2025, vision insurance will be administered through Unum, utilizing the EyeMed Insight Network.

Plan features:

Members have the freedom to choose any provider from EyeMed's Insight Network. Our network offers the right mix of independent, national retail and regional retail providers like Lens Crafters, Pearle Vision, Target Optical and many more. Members can also purchase glasses and contact lenses online at Glasses.com and ContactsDirect.com.

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VISION

	In-Network Copays & Allowances	Out-of Network Allowances
Exam Copay	$10 copay	Reimbursed up to $40
Contact Lenses Fitting (Standard)	$40 copay	Not Covered
Benefit Frequency: Exams, Plastic Lens, Frames, Contact Lens	Once Per 12 Months	Once Per 12 Months
Single Lenses	Covered in full after $10 copay	Reimbursed up to $30
Bifocal Lenses	Covered in full after $10 copay	Reimbursed up to $50
Trifocal Lenses	Covered in full after $10copay	Reimbursed up to $70
Lenticular Lenses	Covered in full after $10 copay	Reimbursed up to $70
Frame Allowance	$150 Retail Allowance, then 20% off remaining balance	Reimbursed up to $105
Contacts (in lieu of glasses): Elective Medically Necessary	$150 Allowance (elective) Covered in full after copay (necessary)	Reimbursed up to $150 Reimbursed up to $210

Please note that you may only use the contact lens allowance or the frame allowance, but not both within the same benefit period. Service frequencies are computed by date of service, NOT calendar year.

Discount Features

VISION DISCOUNTS

	In-Network Copays & Allowances
Lasik	Nationwide access to discounts on Lasik surgery though a partnership with TLC Vision. Discounts are also available with participating local providers.
Additional Glasses	40% off for a complete second pair of glasses 20% off non-prescription glasses
UV Treatments	$15 copay
Standard Plastic Scratch Coating	$15 copay
Standard Polycarbonate (Adults)	$40 copay
Standard Anti-Reflective Coating	$45 copay
Premium Anti-Reflective Coating	Tier 1: $57 copay Tier 2: $68 copay
Photochromic/Transitions	$75
Tint (Solid and Gradient)	$15 copay

Vision Insurance Explained

Vision insurance is a specialized insurance plan that focuses on eye health and vision needs.

Most plans will cover routine eye exams and assist with the purchase of corrective vision products such as glasses and contacts.

Vision plans do much more than just pay for glasses; they help to preserve overall eye health. A routine eye exam looks at total eye health and includes a plan to help your eyes stay healthy.

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