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NJM Vision Benefits Overview

Group #03665

NJM Insurance group logo


Plan highlights

Benefits In-network coverage
Exam/Lens/Frame frequency (Months) 12/12/12
Contacts frequency (in lieu of glasses) 12
Exam copay
$25
Materials copay $0
Frame allowance (includes Walmart/Sam’s Club)*
Frame allowance Costco*
$175
$95
Elective contact lens allowance $175
Necessary contact lenses Covered in full
Contact lens fit/eval copayment Up to $60
Both frames and contacts in same year No
(allows contacts in lieu of frames)

Lens enhancements1


Benefits Member cost
Anti-glare coating $41 single
$41 multifocal
Impact-resistant lenses (adult) $31 single
$35 multifocal (covered for children)
Progressive lenses Standard progressive lenses are covered
Light-reactive lenses $75 single vision
$75 multifocal
Scratch-resistant coating $17 single vision
$17 multifocal

Out-of-network allowances (in addition to in-network copays)

Benefits Member cost
Examination $45
Single vision lenses $30
Bifocal lenses $50
Trifocal lenses $65
Progressive lenses $50
Lenticular lenses $100
Frames $70
Elective contact lenses $105
Necessary contact lenses $210



Additional Savings


Benefits Plan details
Frames discount over allowance2 An extra $20 allowance on featured designer brands for frames.
20% savings on any amount above the retail allowance.
Additional pair2 20% savings on unlimited additional pairs of prescription glasses and/or nonprescription sunglasses from any VSP provider within 12 months of exam.
LASIK2 Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities.
Retinal screening2 Routine retinal screening covered for a maximum fee of $39.
Lens coverage2 Glass or plastic single vision, lined bifocal, lined trifocal, or lenticular lenses are covered in full.3
VSP Diabetic Eyecare Plus ProgramSM
  • Retinal screening for members with diabetes, $0 copay.
  • Additional exams and services for members with diabetic eye disease, glaucoma, or age-related macular degenerations. Limitations and coordination with your medical coverage may apply. Ask your VSP doctor for details. $20 copay per exam.
  • Low vision
  • Pre-approved low vision supplemental testing covered every two years.
  • 75% coverage for approved low vision aids, up to $1,000 (less any amount paid for supplemental testing) every two years.
  • Eyeconic® 2 Go to Eyeconic.com for an easy-to-use, convenient online eyewear option.
    TruHearing® 4 Save up to 60% on hearing aids and batteries. Visit TruHearing.com/VSP or call 877-396-7194 for more information.

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    NJM Vision Benefits Overview

    Group #03665


    Disclaimers and Exclusions
    Promotions and Featured Frame Brands do not apply at Costco® Optical, Walmart, Sam’s Club, and other participating retail chains.
    *In-network status of the optometrist performing the exam may vary at participating retail chains. Please contact VSP and/or the optometrist at the retail location to verify network participation status before receiving services.

    1Prices shown reflect the standard plastic price for each respective category. Premium lens enhancement prices may vary. Prices are valid only through VSP Choice Network Providers and are subject to change without notice.

    2Available in-network only.

    3Covered in full materials and services are less any applicable copay. Based on applicable laws, benefits and savings may vary by location. Benefits may also vary at participating retail chains. Promotions like rebates are continually evaluated and subject to change without notice. In the state of Washington, VSP Vision Care, Inc. is the legal name of the corporation through which VSP does business

    The following items are excluded under this plan: plano lenses (lenses with refractive correction of less than +/-. diopter), two pairs of glasses instead of bifocals; replacement of lenses, frames, or contacts; medical or surgical treatment; orthoptics; vision training or supplemental testing.

    4VSP is providing information to its members, but does not offer or provide any discount hearing program. The relationship between VSP and TruHearing is that of independent contractors. VSP makes no endorsement, representations, or warranties regarding any products or services offered by TruHearing, a third party vendor. The vendor is solely responsible for the products or services offered by them. If you have any questions regarding the service offered here, you should contact the vendor directly.

    TruHearing offers individuals the opportunity to purchase hearing aids at discounted prices, including individuals covered by self-funded health plans not subject to state insurance or health plan regulations. TruHearing is not the same as insurance and not subject to state insurance regulations. TruHearing provides discounts to certain health care groups for hearing aid sales and services. TruHearing provides fitting, programming and three adjustment visits at no cost; the member is obligated to pay for testing, and all post-fitting hearing care services, but will receive a discount from those health care providers who have contracted with TruHearing. Not available directly from VSP in the states of Washington and California.

    This overview contains a general description of your vision care program for your use as a convenient reference. Complete details of your program appear in the group contract between your plan sponsor and Delta Dental of Connecticut, Inc., which governs the benefits and operation of your program. The group contract would control if there should be any inconsistency or difference between its provisions and the information in this overview. Claims processing, claims service, and provider network administration for DeltaVision are provided under contract by VSP. VSP, Eyeconic, and eyeconic.com are registered trademarks and Diabetic Eyecare Plus Program is a service mark of Vision Service Plan. All other brands or marks are the property of their respective owners.