What Benefits Does Superior Vision Insurance Provide?

What is Superior Vision?

Superior Vision is a vision insurance company overseen by Versant Health, which MetLife recently acquired. 

It offers comprehensive vision plans to individuals and families without vision benefits included in their employer-provided plans. It’s also a good option for self-employed people. 

Superior Vision aims to offer low-cost, low-stress vision coverage plans to its members through more than 60,000 partnered retailers around the country. 

Superior vision members can access eye exams, glasses, and contacts from over 50 major eyewear retailers. It also offers a LASIK discount. 

What Does Superior Vision Insurance Cover?

Superior Vision offers comprehensive vision benefit plans that include access to its large network of over 140,000 eye care providers, from major retailers (Costco, Walmart, Sam’s Club) to local eye doctors in your community. 

Superior Vision covers: 

• Annual comprehensive eye exam
• Frame allowance
• Full lens coverage
• Contact fitting
• Contact coverage allowance 
• Discounts on LASIK, scratch coating, and polycarbonate lenses
• Complete coverage of Authentic Transitions Lenses
• Access to Your Hearing Network with a discount on brand-name hearing aids
• Purchase eyeglasses online with in-network retailers

Superior Vision plans are based on your zip code. The plans are tiered with different monthly price points. The more expensive program gives you a larger frame allowance.

Types of Superior Vision Plans

Superior Vision offers three plan types: essential, classic, and premier. Each plan has a separate price point and benefit options.

Essential Plan

The Superior Vision essential plan is perfect for first-time vision plan buyers. It’s the least expensive of all three plans starting at $12.50 a month for an individual plan.

Essential Plan features include:

The biggest pro of the Superior Vision essential plan is its affordability. It’s also a good option for people who don’t have eye problems.

The con of the essential plan is its low frame and contact allowance. It may not be a good fit for people wanting to purchase high-end frames and lenses.

Classic Plan

The classic plan is Superior Vision’s most popular plan. It’s more flexible than the essential plan but still affordable, starting at $20.62 monthly for an individual plan.

Classic plan features include:

The biggest pro of the classic plan is that it offers a larger allowance on frames and contacts. The main con is that the frame allowance typically won’t cover high-end brands. You also have to pay extra for lens enhancements. 

Premier Plan

The premier plan is excellent for people who want a larger frame and contact lens allowance. This allows them to purchase more expensive frames.

The premier plan is the most expensive option starting at $22.50 a month for an individual plan.

Premier plan features include:

The biggest pro of the premier plan is that you can get a higher frame allowance for just $2 more per month. The main con is that it’s the most expensive and has a higher annual exam copay.

How Much Does Superior Vision Cost?

Superior Vision members can choose from an individual plan, an individual plus one member plan, or a family plan. The starting monthly premiums for each plan are outlined below.

Out-of-Pocket Costs

While each Superior Vision benefits cover vision care basics (eye exam, frame, and lens allowance), it may not cover all your needs.

You will have to pay out-of-pocket for some products and services, including:

• Eye surgery (glaucoma, cataracts, macular degeneration)
• High-end frames (above your allotted allowance)
• Lens enhancements 
• Anything medical (floaters, vision loss, allergies, dry eyes)

What Network Coverage Options Does Superior Vision Offer?

The services and costs of each vision plan assume you will use one of its in-network access points to eye doctors and partnered retailers. 

Superior Vision offers a wide variety of in-network providers, including:

• Over 100,000 in-network eye care professionals 
• Over 60,000 retailers (including online retailers)
• Ninety-eight percent member satisfaction (according to its website)
• 50 Major retail optical chains

However, Superior Vision may only be available in some areas. 

If you choose to use an out-of-network provider, you must pay out of pocket and get reimbursed by Superior Vision. 

You can get a reimbursement authorization number for out-of-network providers by calling Superior Vision customer service at 800-507-3800.

Does Superior Vision Cover LASIK?

Superior Vision does not include LASIK coverage. However, depending on your benefit plan, you could receive a discount or allowance.

Superior Vision partners with in-network QualSite LASIK providers to offer you discounts from the following networks:

• Superior National Network
• Superior Select
• Superior Select Southwest
• Superior Select Midwest
• University LASIK Specialists of Texas

Your schedule of benefits will tell you if you have an allowance or discount included with your plan.

Superior Vision Compare vs. Other Insurance Providers

Superior Vision is one of many leading vision insurance providers. We highlight the differences between Superior Vision and its closest competitors below. 

It’s also important to note that Superior Vision and Davis Vision are similar products operated by Versant Health and are part of the MetLife family of companies. 

Is Superior Vision the Same as VSP?

Superior Vision is not the same as VSP. They are both vision insurance providers, but doctors founded VSP. It’s one of the largest non-profit worldwide insurance providers, with over 80 million members.

Summary

Superior Vision is a vision insurance brand recently acquired by MetLife. It offers affordable individual and family plans for people who are self-employed or do not have vision insurance through their employer.

Superior Vision offers three plans ranging from $12.50 to $22.50 for individual plans and $32.35 to $55.58 for family plans. Benefits include full or partial coverage for eye exams, frames, and contact lenses and potential discounts on LASIK and lens enhancements.