Vision Insurance
Even if you have perfect vision, preventative eye care is essential for ensuring the health of your vision in the years to come. The most important step is receiving routine examinations from a qualified eye care professional. It is recommended that Individuals between the ages of 20 and 40 have a comprehensive eye exam every five years or so, provided no visual changes or injury has occurred. Individuals over the age of 40 should have an exam at least every two years.
RBI offers Vision Insurance to help you keep the cost of vision care affordable. The coverage is provided through Blue View Vision, whose network of more than 50,000 providers and provider locations nationwide includes both independent practitioners and retail locations such as Sears Optical, Target Optical, JC Penney, Pearle Vision, and LensCrafters.
Who May Participate
You are eligible to enroll yourself and your family in PCA Vision Insurance if you are a full-time (minimum of 30 hours per week) PCA minister, non-MTW missionary, administrative or lay employee of a PCA church or related organization. Coverage is available to all eligible employees who reside in the U.S.
Eligibility begins on the first day of the month following your date of hire for most employees.
Vision Plans
PCA Core/Buy-Up Vision Plan – Core (Employer-Paid)/Buy-Up (Employee-Paid)
The Core Vision feature pays for vision examinations, corrective lenses and frames when prescribed by an ophthalmologist or an optometrist. The Buy-Up feature enhances the coverage and reduces the expenses for employees.
PCA Voluntary Vision Plan — (Employee-Paid)
This plan pays for vision examinations, corrective lenses and frames when prescribed by an ophthalmologist or an optometrist.
In-Network vs. Out-of-Network
The employer-paid Core option covers in-network services only. If you enroll in the Voluntary Buy-Up option, you can obtain vision care from either in-network or out-of-network providers for certain services. In some cases, you’ll pay only a copay for in-network services, but receive a fixed allowance for out-of-network services. See the chart under “Vision Insurance Benefits” for details.
Laser Vision Correction
Under either the Core or the Voluntary Buy-Up option, you may obtain laser vision correction (LASIK or PRK) from the U.S. Laser Network at 15% off the retail price or 5% off a promotional price.
PCA Vision Insurance Benefits
| Benefits | PCA Core/ Buy up Vision | PCA Voluntary Vision | |||
| Core | Buy Up | ||||
| In-Network | Out-of-Network | In-Network | Out-of-Network | ||
| Vision Exam | $10 copay (in-network) $30 reimbursement (out-of-network) | $10 copay | Up to $30 | $10 copay | Up to $30 |
| Frames | 35% off retail | $150 retail allowance, then 20% discount on balance | Up to $45 | $150 retail allowance, then 20% discount on balance | Up to $45 |
| Single vision lenses (pair) | $50 copay | $25 copay | Up to $25 | $25 copay | Up to $25 |
| Bifocal lenses (pair) | $70 copay | $25 copay | Up to $40 | $25 copay | Up to $40 |
| Trifocal lenses (pair) | $105 copay | $25 copay | Up to $55 | $25 copay | Up to $55 |
| Contact Lenses (instead of eyeglasses) | |||||
| Contact Lenses (fitting and follow-up | No discount | Standard: Up to $55 Premium: 10% off retail price |
N/A | Standard: Up to $55 Premium: 10% off retail price |
N/A |
| Elective | Conventional: 15% off retail Disposable: 0% off reltail |
Conventional: $150 allowance, then 15% discount on balance Disposable $150 allowance |
Up to $105 for conventional or disposable | Conventional: $150 allowance, then 15% discount on balance Disposable $150 allowance |
Up to $105 for conventional or disposable |
| Non-Elective | Conventional: 15% off retail Disposable: 0% off retail |
Covered in full | Up to $210 | Covered in full | Up to $210 |
Notes:
- Core Plan: Frame, lens, and lens option discounts apply only when purchasing a complete pair of eyeglasses. If purchased separately, members receive 20% off the retail price.
- Voluntary Buy-Up Plan: Members also receive a 40% discount off the purchase of a complete pair of eyeglasses and a 15% discount off conventional contact lenses once the covered benefit has been used.
- Eyeglass Lens Upgrades: The plans provide either a flat-dollar allowance or a discount off retail for a variety of eyeglass lens upgrades, such as anti-reflective coating, UV coating, tints, progressive multi-focals, and photochromics (e.g., Transition lenses).
See the PCA Insurance Brochure for more information.
Rates
Here are the rates for 2013
About Blue View Vision
Blue View Vision is affiliated with BlueCross BlueShield and has the largest nationwide vision network. Blue View Vision provides customer service seven days a week.
Finding a Provider
To locate a participating vision provider, call Blue View Vision at 1-866-723-0515 or visit benefits.eyewearspecialoffers.com.