(state and higher education employees | retirees if enrolled in the state’s retiree group health plan and receiving a monthly pension from TCRS based on own service or participating in a higher education optional retirement plan | local education and local government employees contact agency to see if agency participates)
The state offers two voluntary vision options through Davis Vision. Members pay the full monthly premium.
Click here to see the 2021 vision premium rates.
- .After Copay 1 Network Benefits: Exam and materials copays and patient options are paid to the network provider by the plan participant. 2 Out-of-network reimbursement: The plan participant pays full fee to the provider and MetLife reimburses the participant for services rendered up to the maximum allowance.
- Materials Only provides standard lenses and frames from a high quality selection that is covered in full after the applicable copay. Or the employee or dependent can choose to receive a generous allowance towards the purchase of contacts in lieu of frames and lenses.
- Lenses or contact lenses (routine vision exam, contact lens fit and contact lens materials are in lieu of all other benefits for most plans) The contracting company is also able to select either a 12-month frequency or a 24-month frequency for benefits based on Last Date of Service or Calendar Year.
Golden Rule Insurance Company is the underwriter of these plans. This product is administered by Spectera, Inc. Individual Policy Forms VIS1-GRI, -42 and other state variations IMPORTANT: THIS POLICY CANNOT BE TERMINATED BY YOU WITHIN THE FIRST 12 MONTHS OF COVERAGE. 44276C1-G-0820 (includes: 44276-G-0820, 44276i-G-0820) Vision Plans.
Davis Vision
800.208.6404
Monday - Friday, 7-10; Saturday, 8-3; Sunday, 11-3 CT
Basic Client Code: 8155
Expanded Client Code: 8156
davisvision.com/stateoftn
Members can request additional ID cards by contacting the carrier or by using the carrier’s mobile app. Employees new to coverage, or who change or transfer plans, will receive new ID cards.
You can choose from two vision options
Basic Plan
- Pays for your eye exam and various “allowances” (dollar amounts) for materials such as eyeglass frames, lenses, contact lenses, etc.
Expanded Plan
- Includes greater “allowances” (dollar amounts) and additional materials versus the Basic Plan.
In both plans you pay copays and coinsurance on materials or other services when the cost exceeds the allowed dollar amount.
The Basic and Expanded plans are both managed by Davis Vision. In-network and out-of-network benefits are available. You will receive the maximum benefit when visiting a provider in Davis Vision’s network.
It is important to check the network for your provider and other providers in your area. You can look for your provider by going to davisvision.com/stateoftn.
Both plans offer the same services, including:
- Routine eye exam once every calendar year
- Frames once every two calendar years
- Choice of eyeglass lenses or contact lenses once every calendar year
- Discount on LASIK/refractive surgery
- Discount on Hearing Aids (includes Free Hearing Exam) through Your Hearing Network (YHN)
Additional benefits, based on the plan you choose, include:
- Zero ($0.00) copay for single vision, bifocal, trifocal or lenticular lenses purchased at an in-network location.
- Free pair of eyeglass frames from any Davis Vision’s “The Exclusive Collection”, which includes “Fashion, Designer and Premier” Selections under the in-network Expanded Plan.
- Free pair of “Fashion Selection” eyeglass frames from Davis Vision’s “The Exclusive Collection” under the in-network Basic Plan. “Designer” and “Premier” Selections have $15 and $40 copays respectively.
- Free pair of frames at Visionworks retail locations.
- 40% discount off retail under the in-network Expanded Plan and 30% discount off retail under the in-network Basic Plan for an additional pair of eyeglasses, except at Walmart, Sam’s Club or Costco locations.
- 20% discount off retail cost of an additional pair of conventional or disposable contact lenses under the in-network Expanded Plan.
- One-year warranty for breakage of most eyeglasses.
Additional lens and coating benefits
- High Index Lenses -- 1.74
- Progressive Lenses -- Ultimate Tier
- Anti-reflective Coating -- Ultimate Tier
- Premium Scratch-resistant Coating
- Digital Single Vision Lenses
- Trivex Lenses
- Blue Light Filtering (Coatings & Lens Options)
- Scratch Protection Plan
You can also call Davis Vision at 800.208.6404, Mon – Fri, 7 a.m. -10 p.m.; Sat, 8 a.m. - 3 p.m.; Sun, 11 a.m. - 3 p.m., Central time.
Materials Copay Vision Insurance
General limitations and exclusions that are not covered under the vision plan:
- Treatment of injury or illness covered by workers' compensation or employer's liability laws
- Cosmetic surgery and procedures
- Services received without cost from any federal, state or local agency
- Charges by any hospital or other surgical or treatment facility and any additional fees charged for treatment in any such facility
- Services by a vision provider beyond the scope of his or her license
- Vision services for which the patient incurs no charge
- Vision services where charges exceed the amount that would be collected if no vision coverage existed
Note: If you receive vision services and materials that exceed the covered benefit, you will be responsible for paying the difference for the actual services and materials you receive.
NOTE: A complete description of the benefits, provisions, conditions, limitations, and exclusions for the Davis Vision Basic and Expanded plans will be included in their respective Certificate of Insurance. If any discrepancies exist between the information listed above and the legal plan documents, the legal plan documents will govern. We recommend you review these documents. The documents are available at https://www.tn.gov/partnersforhealth/publications/publications.html.
What to Know About Vision Insurance Copays
You’ve likely encountered copays when using health insurance to visit a family physician or urgent care facility. Likewise, you’ll have copays when you see an eye doctor and use your vision insurance. Although copays are not new, there are a few common questions people typically ask about their vision plan copays. Here are the things you should know:
What is a copay?
When you visit an eye doctor, your vision copay is a fixed amount you pay for services.So when you get an eye exam, you pay a copay and your plan covers the rest. Your vision plan identifies what your copay is for vision services.
Why is a copay necessary?
Copays help you manage your budget by knowing ahead of time what you’ll have to pay during your visit.
Are copays the same for all vision insurance plans?
Copays can differ with each plan. You’ll typically find a copay for your exam, one for your glasses, and sometimes copays are associated with specific lens enhancements. That’s why it’s important to review your plan benefits.
What if I have other questions about copays or my plan?
Any time you have questions about your VSP® vision plan copays or your insurance plan in general, you can speak with our knowledgeable customer service team at 800.785.0699. Our service center is open Monday through Friday from 7a.m. to 7p.m. Central Time. We’re happy to do what we can to help you make the most of your VSP vision insurance!
Individual Vision Plan members not only love the benefits of low copays, they’re also happy about the frame coverage and provider network offered through their vision insurance plans. If you'd like to look at plans that are ideal for you and your family, visit our vision plan finder today.
Here’s what VSP Direct members have to say:
“I work on computers every day, so to be able to get a pair of computer glasses and only have to pay the copay is excellent.”
– D. Rimes
“My old insurance didn't cover enough for designer frames. But since I've had VSP, I can choose Gucci or Bebe and not go broke in the process.”
– D. Fletcher
“There was a great selection of providers in our area, including one close to my house.”
Materials Copay Vision Insurance Program
– M. Simmons