Vision Options

2024 Plan Information

Vision Options

The Firm offers two vision plan options, both through Vision Service Plan (VSP):

VSP Option A
VSP Option B

Option B offers standard coverage, while Option A is a buy-up option with increased frequency and allowances for frames and contact lenses, as well as increased out-of-network coverage.

Benefits in Brief

Considerations when choosing vision coverage: How often do you prefer to change your eyeglass frames or contacts?

Prescription glasses frequency – Option A every year; Option B every 2 years.
Contact lenses allowance – Option A: $250; Option B: $150.

Options for Expatriate and International Employees

If you are a US benefits-eligible expatriate or US benefits-eligible international employee, you may elect vision coverage under the VSP Vision Plan. If you participate in VSP and visit a non-VSP provider while abroad, you will be reimbursed at the out-of-network level. To be reimbursed for eligible expenses, you must submit submit a claims form and itemized receipt (translated in English).

What’s Covered

VSP Options A and B offer a range of services and supplies from your provider of choice, including eye exams, eyeglass lenses, frames, contact lenses and laser surgery. Many services are 100% covered after a copay when you use an in-network provider. You may also receive discounts on services at participating retail chain stores such as Cohen’s Fashion Optical, Costco and others.

Services such as laser surgery, low vision supplemental testing, additional prescription and nonprescription glasses and sunglasses, and contact lens exams are covered to the extent described in the schedule of benefits in the Health Benefits and Insurance Summary Plan Description (SPD).

Finding a VSP Provider

Employees and their covered dependents enrolled in the vision plan may receive services and supplies from the vision care provider of their choice. However, they will pay more when they use an out-of-network provider. Find a list of in-network providers on the VSP website.

What You Pay When You Need Care

VSP Option A	VSP Option B
Eye Exam
In-Network: 100% after $20 copay Out-of-Network: Up to $50 allowance after $20 copay	In-Network: 100% after $20 copay Out-of-Network: Up to $40 allowance after $20 copay
Contact Lens Fitting
In-Network: Up to $60 copay Out-of-Network: Up to $100 maximum reimbursement (includes fitting and evaluation)	In-Network: Up to $60 copay Out-of-Network: Up to $100 maximum reimbursement (includes fitting and evaluation)
Frames
In-Network: Up to $250 after $20 copay plus 20% discount on cost exceeding $250 once every calendar year Out-of-Network: Up to $70 allowance after $20 copay	In-Network: Up to $150 after $20 copay plus 20% discount on cost exceeding $150 every two years Out-of-Network: Up to $60 allowance after $20 copay
Lenses: Single
In-Network: 100% after $20 copay for lenses and frames Out-of-Network: Up to $50 allowance after $20 copay	In-Network: 100% after $20 copay for lenses and frames Out-of-Network: Up to $40 allowance after $20 copay
Lenses: Lined Bifocal
In-Network: 100% after $20 copay for lenses and frames Out-of-Network: Up to $75 allowance after $20 copay	In-Network: 100% after $20 copay for lenses and frames Out-of-Network: Up to $60 allowance after $20 copay
Lenses: Lined Trifocal
In-Network: 100% after $20 copay for lenses and frames Out-of-Network: Up to $100 after $20 copay	In-Network: 100% after $20 copay for lenses and frames Out-of-Network: Up to $75 allowance after $20 copay
Lenses: Progressive
In-Network: 100% after $20 copay for lenses and frames Out-of-Network: Up to $75 allowance after $20 copay	In-Network: 100% after $20 copay for lenses and frames Out-of-Network: Up to $60 allowance after $20 copay
Optional Lens Types and Treatments
In-Network: 100% Out-of-Network: 5%	In-Network: 100% Out-of-Network: 5%
Elective Contact Lenses (instead of eyeglasses)
In-Network: Up to $250 and $60 max copay for contact lens exam Out-of-Network: Up to $105 (includes exam and fitting)	In-Network: Up to $150 and $60 max copay for contact lens exam Out-of-Network: Up to $100 (includes exam and fitting)
Medically Necessary Contact Lenses with VSP Approval
In-Network: 100% after $20 copay for lenses once every calendar year Out-of-Network: Up to $210 allowance after $20 copay	In-Network: 100% after $20 copay for exam and $20 copay for lenses once every two years Out-of-Network: Up to $210 allowance after $20 copay
Diabetic Eyecare Plus
$20 copay for additional eyecare services specifically for members with diabetic eye disease, glaucoma or age-related macular degeneration (AMD)	$20 copay for additional eyecare services specifically for members with diabetic eye disease, glaucoma or age-related macular degeneration (AMD)
Laser surgery
Discounts of 10 to 25%, depending on location.	Discounts of 10 to 25%, depending on location.

VSP Option A

VSP Option B

Eye Exam

In-Network:
100% after $20 copay

Out-of-Network:
Up to $50 allowance after $20 copay

In-Network:
100% after $20 copay

Out-of-Network:
Up to $40 allowance after $20 copay

Contact Lens Fitting

In-Network:
Up to $60 copay

Out-of-Network:
Up to $100 maximum reimbursement (includes fitting and evaluation)

In-Network:
Up to $60 copay

Out-of-Network:
Up to $100 maximum reimbursement (includes fitting and evaluation)

Frames

In-Network:
Up to $250 after $20 copay plus 20% discount on cost exceeding $250 once every calendar year

Out-of-Network:
Up to $70 allowance after $20 copay

In-Network:
Up to $150 after $20 copay plus 20% discount on cost exceeding $150 every two years

Out-of-Network:
Up to $60 allowance after $20 copay

Lenses: Single