Vision plans can be confusing. Here's a plan-by-plan walkthrough of what each one usually covers, what it doesn't, and what to expect to pay when you check out. We verify benefits before every visit — but the more you know going in, the easier the appointment.
Our most common plan. Covers an annual eye exam plus a frame OR contact-lens allowance every 12 or 24 months, depending on your employer's setup. Most patients leave with a small copay and predictable costs.
Most VSP Signature patients pay a small exam copay, a small materials copay, and any amount over the frame allowance plus lens upgrades. A typical visit lands somewhere between a copay-only checkout and a few hundred dollars depending on frame and lens choices. We'll quote it in writing before any work begins.
We're an in-network VSP provider at all five Bella Vision locations. We pull your benefits before your appointment, so the price you see at checkout is the price you'll pay — no surprise bills weeks later.
Same plan family as VSP Signature — exam plus frame or contact-lens allowance — but with a tighter network and slightly different copays. Common with state and union groups.
Choice patients usually see slightly higher patient share than Signature, but the structure is the same: copays plus any amount above allowance. We always run a benefit check first so the quote you see is real.
Choice is in-network at all five Bella Vision locations. If you're not sure which VSP plan you have, just call us with your member ID — we can tell you within a minute.
A common employer vision plan. Covers an annual exam plus a frame or contact-lens allowance, with copays for materials and lens add-ons. Structure is similar to VSP but the network and brand list are different.
Most EyeMed visits end with a copay-plus-overage checkout — exam copay, materials copay, and any frame cost above your allowance. Lens upgrades are often a fixed copay rather than full price, which can make EyeMed friendly for patients who want anti-reflective coating.
We're in-network EyeMed providers at all five Bella Vision locations. If your EyeMed plan came through Microsoft, see the next section — that one works differently.
Microsoft's vision benefit works differently from a typical insurance plan. Instead of an exam copay plus a fixed frame allowance, you get an annual dollar pool you can spend however you want — exam, frames, lenses, contacts, upgrades. We see a lot of Microsoft patients across all five locations and know the plan well.
Zero out-of-pocket if your purchase fits inside your remaining balance. We tell you your current balance at check-in, then you decide how to spend it. Common patterns: a full pair of progressive glasses with premium coatings, or one pair of glasses plus a year's supply of contacts.
Because the plan is dollar-for-dollar, there's no surprise — we'll show you exactly how much of your balance each option uses before you commit. Most Microsoft employees come in once a year and use most or all of the benefit.
If you don't have vision insurance — or if you've already used your benefits this year — we offer transparent flat-rate pricing across all five locations. Same care, no surprise charges, no insurance paperwork.
We publish our self-pay price book in the office and update it once a year. Ask any team member for our current cash sheet before your exam — there's no obligation to buy anything afterward, and we never up-sell upgrades you didn't ask about.
Self-pay is the same exam quality as any insured visit — same doctors, same equipment, same time with the optometrist. The only difference is how you pay.
We accept most major vision and medical insurance — Aetna, Cigna, Premera, Regence, MetLife, Tricare, Medicare, and many more. Call your nearest office with your member ID and we'll verify benefits before you come in.
Yes. Conditions like dry eye, eye infections, foreign-body removal, glaucoma evaluations, and diabetic eye exams are typically billed to medical insurance, not vision. We'll let you know which one applies before the visit.
Each insurance carrier negotiates its own allowances, copays, and covered lens types. Two patients standing next to each other can pay completely different amounts for the same frame depending on their plan. That's why we always run benefits ahead of time.
Yes — exams, glasses, contacts, prescription sunglasses, and most upgrades are FSA/HSA eligible. We can provide an itemized receipt for reimbursement.
Yes — we accept every VSP plan, including the less common ones like VSP Advantage and VSP Exam / Allowance. As a VSP Premier practice, VSP members typically see additional savings and access to exclusive frame collections when they visit us.
Coverage details vary by employer group, plan year, and benefit cycle. The descriptions on this page are typical for each plan family — your specific benefits may differ. Always call us to verify before scheduling.
Call your nearest office with your member ID — we'll pull your benefits and tell you exactly what to expect.
See our locations