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Voluntary Vision Insurance

Vision Insurance

Vision disorders are the 2nd most prevalent health problem in the U.S. and account for more than $8 billion annually in lost productivity.1

Group voluntary vision insurance can be a high-value, low-cost way to help better meet objectives of managing benefit costs, increasing productivity, and attracting and retaining employees.

In fact, 76% of surveyed consumers say that a vision plan is very or somewhat important to them2 and 31% of all surveyed employees rank vision as one of their top five benefits.3

Employees highly value vision benefits and coverage does more to promote overall health and productivity than just correcting vision problems.

  • The average cost for eye care services far exceeds the cost of insurance - vision is a lower cost benefit that encourages participants to get the care they need4
  • More people will go for a vision exam than a medical exam - they help in the early detection of serious problems like diabetes and hypertension, promoting lower health care costs overall5

The Right Solutions

With the MetLife Vision PPO Plan, employees and their families get an industry leader in managed benefits whose programs encourage necessary care, protect members from excessive out-of-pocket costs, and provide them with convenient access to a quality network of rigorously screened providers. As a low-cost solution designed and guided by market research and trends with savings focused on total cost - premiums and out-of-pocket expenses, our goal is to deliver optimal support that meets both the cost and health needs of companies and employees.

Key Features:

  • Plan designs that protect employers and participants by driving lower costs and covering a full range of brands for covered lens options
  • Broad network of optometrists, ophthalmologists, and opticians-including national optical retailers like Costco and Visionworks
  • Standard features6 that other carriers might offer as options
    • Polycarbonate (shatter-resistant) lenses for children up to 18 years of age and ultraviolet coating are covered in full
    • Fixed copays for popular lens options, like progressive lenses, and anti-reflective and scratch-resistant coatings
    • Fixed copays for contact lens fitting and evaluation
  • Supplemental vision benefits7 that address a wide range of vision conditions and preferences, helping you target your employees' needs
  • No in-network claims to file

Our MetLife's VisionAccess8, a vision discount program, is also available at no charge with another MetLife product.


1The Vision Council. Vision Care: Focusing on the Workplace Benefit, Alexandria, VA, Fall 2008.

2Archives for internal Medicine, "Preventive Heath Examinations and Preventive Gynecological Examinations in the United States." Human Capital Management Services.

3MetLife Study of Employee Benefits Trends, 2013.

4The 2010 Employee Benefits Report, GfK Custom Research, New York, NY.

5Archives for internal Medicine, "Preventive Heath Examinations and Preventive Gynecological Examinations in the United States." Human Capital Management Services.

6All lens options are available at private practice provider offices. At this time, not all lens options are available at optical retailers. Contact the optical retailer to confirm the availability of these options prior to receiving services.

7 Groups with fewer than 3,000 eligible employees can add up to three plan modifications, including services, lens options and supplemental vision benefits. For groups with 3,000 or more eligible employees, adding more than three plan modifications will be considered upon request.

8MetLife VisionAccess is a discount program and not an insured benefit. The program is available at no charge regardless of enrollment in other MetLife benefits as long as the plan sponsor has an active MetLife group product. It is provided through Vision Service Plan (VSP), Rancho Cordova, CA. VSP is not affiliated with Metropolitan Life Insurance Company or its affiliates.

MetLife Vision benefits are underwritten by Metropolitan Life Insurance Company, New York, NY. Certain claims and network administration services are provided through VSP. In certain states, availability of MetLife's group vision benefits is subject to regulatory approval.

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.

 

 

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