Vision Insurance
Contact
Human Resources77 Macalester Street, Room 201 651-696-6280
651-696-6612 (fax)
hr@macalester.edu
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Hours
Vision and eye care are critical components of your overall health and well-being. Whether your vision is 20/20 or less than perfect, regular vision check-ups are important. We offer vision care benefits as part of our commitment to total health and wellness. You may register as a member on the VSP Vision website for more targeted provider results.
Macalester employees with a 0.50 FTE or higher are eligible for coverage. Employees may add spouses, registered domestic partners, dependent children up to age 26 as well as other legal dependents.
The below tables are only a summary of cost/care/networks. The Certificate of Coverage will be used for all error and claims processing.
Vision Insurance Index
Plan Coverage Summary
You can choose any optometrist you would like. However, under the vision plan, cost coverage is based on whether your optometrist is In-Network or Out-of-Network.
| Service/Feature | In-Network | Out-of-Network |
|---|---|---|
| WellVision Exam | 1 Every Calendar Year | 1 Every Calendar Year |
| Contact Lens Exam, Fitting, & Eval | 1 Every Calendar Year | Not Covered |
| Lenses Either glasses lenses or contact lenses | 1 Pair Every Calendar Year (Glasses) OR 1 Allowance Every Calendar Year (Contacts) | 1 Pair Every Calendar Year (Glasses) OR 1 Allowance Every Calendar Year (Contacts) |
| Frames | 1 Every Other Calendar Year | 1 Every Other Calendar Year |
| Coverage | In-Network | Out-of-Network |
|---|---|---|
| WellVision Exam | $10 co-pay, then 100% | $10 co-pay, then 100% up to $45 |
| Routine Retinal Scanning | $39 co-pay, then 100% | Not covered |
| Contact Lens Exam, Fitting, & Eval Standard & Premium | $25 co-pay, then 100% up to $60 | Not covered |
| Frames | $150 allowance, then 20% off balance. Extra $20 allowance on featured brands. | 100% up to $70 |
| Contact Lenses – Medically Necessary | $25 co-pay, then 100% | $25 co-pay, then 100% up to $210 |
| Contact Lenses – Elective | 100% up to $150 | $25 co-pay, then 100% up to $105 |
| Lenses – Single Vision | $25 co-pay, then 100% | $25 co-pay, then 100% up to $30 |
| Lenses – Bifocal | $25 co-pay, then 100% | $25 co-pay, then 100% up to $50 |
| Lenses – Trifocal | $25 co-pay, then 100% | $25 co-pay, then 100% up to $165 |
| Lenses – Lenticular | $25 co-pay, then 100% | $25 co-pay, then 100% up to $100 |
| Lenses – Progressive | $25 co-pay, then 100% | $25 co-pay, then 100% up to $50 |
| Lens Enhancements | Premium Progressive Lenses – $95-$105 Custom Progressive Lenses – $150-$175 Standard Anti-Reflective Coating – $41 Photochromatic Lenses – $75 Solid Tints and Dyes – $0 Plastic Gradient Tints – $17 Polycarbonate Lenses – $31 – $35; $0 for children Scratch-Resistant Coating – $17 UV Protection – $16 | Not covered |
| Laser Vision Correction – Discounted access through VSP Laser VisionCare | Average savings of 15-20% off retail or 5% off promotional process | Not covered |
Extra Savings
| Glasses and Sunglasses |
|---|
| Extra $20 to spend on featured frame brands. Go to vsp.com/offers for details. 20% savings on additional glasses and sunglasses, including lens enhancements, from an VSP provider within 12 months of your last WellVision Exam |
To find In-Network providers, visit VPS Vision’s website.
Plan Premiums
2025 Premiums
| Coverage Level | Monthly Rate |
|---|---|
| Employee | $6.24 |
| Employee + 1 | $12.57 |
| Employee + 2 or more | $22.17 |
2026 Premiums
| Coverage Level | Monthly Rate |
|---|---|
| Employee | $8.55 |
| Employee + 1 | $12.39 |
| Employee + 2 or more | $22.22 |
Resources
VSP doesn’t send out ID Cards. What you will do instead is let the provider know that you have insurance through VSP Vision and they will be able to look you up in their system. When a dependent schedules an appointment, they also only need to mention your name and VSP Vision. It really is that simple!
Creating an online account
- Visit vsp.com
- Click on Create an Account located on the upper right hand corner of your screen
- Fill in the following information:
- Last 4 digits of your SSN
- Name
- Date of Birth
- Email Address (this will become your username)
- Phone Number (optional)
- Preferred Language
Once you have created your account, you will receive a confirmation email. You will want to click on the link that you receive within 48 hours to activate your account. Once it is activated, you will be set up to use your VSP account.