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A Look at the BB&T Vision Program

Administered by Vision Service Plan (VSP), the BB&T Vision Program provides discounted coverage for routine eye exams, eyeglasses, and contact lenses through VSP network doctors. The program also provides you the flexibility to see retail partner providers outside the VSP network. These retail partner providers include over 400 Costco locations and other retail chains.

Using Your Vision Coverage

Using our Vision Program involves no identification cards or claim forms. To access your benefits, simply tell your doctor you are a VSP member when you make your appointment. Your doctor will ask for your ID number, which is your Social Security number. Your doctor and VSP will handle the rest by verifying your benefits and eligibility for services.

Vision care services and vision care materials may be received from any licensed optometrist, ophthalmologist or dispensing optician, whether in or out of the VSP network. Please be aware that if you choose to use a doctor outside the VSP network, out-of-network benefits do not guarantee full payment and you will be required to pay the doctor in full at the time of service. For out-of-network reimbursement, send your itemized receipts along with your full patient and member information to VSP within 6 months of the date of service. Please keep a copy of the information for your records and send the originals to the address below:

Vision Service Plan
Out-of-Network Provider
PO Box 997105
Sacramento, CA 95899-7105

Types of Benefits and Coverage Frequency

  • Eye Examination: Once Each 12 Months
    A complete initial vision analysis, which includes an appropriate examination of visual functions, including the prescription of corrective eyewear where indicated.
  • Lenses: Once Each 12 Months
    The VSP network doctor will order the proper lenses necessary for your visual welfare. The doctor shall verify the accuracy of the finished lenses.
  • Frames: Once Each 24 Months
    The VSP network doctor will assist in the selection of frames, properly fit and adjust the frames, and provide subsequent adjustments to frames to maintain comfort and efficiency.
  • Contact Lenses
    Contact lenses are available under the Vision Program in lieu of all other lens and frame benefits. Please see Summary Plan Descriptions for details regarding authorizations involved with this coverage.


  • Details such as prior authorizations, coverage limitations, exclusions, other conditions and additional discounts: Summary Plan Descriptions
  • Types of benefits, co-payments and covered services through VSP doctors versus VSP affiliate providers: Vision Program Chart
  • Coverage levels and premiums: Flexible Benefit Premiums
  • A list of VSP network doctors in your area or to verify your doctor is in the VSP network: VSP website or call 800-877-7195

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Information contained within applies to eligible associates residing in the United States, unless otherwise specified.

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