Vision

BB&T's vision coverage is provided by Vision Service Plan(opens in a new tab) (VSP). The BB&T Vision Program provides coverage for routine eye exams, as well as eyeglasses and contact lenses. View the Vision Program Chart(moves focus) or information on covered services, benefit frequency and co-payments. There are no waiting periods for the Vision Program.

Using your VSP benefit

There are no identification cards or claim forms required for the Vision Program. To access your benefits, make sure to 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.

You have the option of seeing an out-of-network provider. You will be required to pay the provider in full at the time of service. For out-of-network reimbursement, send itemized receipts along with your full patient and member information to VSP within 6 months of the date of service.

Vision Program chart

 

  Benefits Through a VSP Preferred Provider Benefits Through a Retail Partner Provider
Providers VSP Network, our largest provider network
27,988 VSP Preferred Providers
54,869 access points
Approximately 400 Costco retail dispensary locations and additional affiliate locations
Eye Exam Thorough VSP WellVision Exam® covered in full Thorough eye exam covered in full
Lenses Glass or plastic, single vision, lined bifocal, lined trifocal, Progressive lenses or lenticular prescription lenses are covered in full Glass or plastic, single vision, lined bifocal, lined trifocal or lenticular prescription lenses are covered in full
Lens Options

Anti-reflective coatings are covered in full. Other lens options are covered in full with a copay, savings VSP members an average of 30-40% 

Patient cost:

  • Photochromics: $62-76 copay
  • Scratch resistant coating: $15 copay
  • Polycarbonate: $23-$28 copay
  • Dependent children are eligible for covered-in-full polycarbonate prescription lenses (every 12 months)
Lens option availability varies. Special pricing at Costco, 20% off at other affiliate locations









Dependent children are eligible for coverage-in-full polycarbonate prescription lenses (every 24 months)
Frames Frames are covered in full  up to the retail allowance of $150



20% off any amount above the allowance

30% off unlimited additional pairs of prescription glasses and/or non-prescription sunglasses
Frames are covered in full  up to the retail allowance of $70 at Costco  and $150 at other affiliate locations

Offers and discounts vary upon location for frames above the allowance

Offers and discounts vary upon location for additional frames above the allowance
Contact Lenses 15% off contact lens services (fitting and evaluation), excluding materials, up to $60 copay

Instead of eyeglasses, elective contact lens materials are covered up to $150 toward any type of prescription contact lenses

Necessary contact lenses are covered-in-full for members who have specific conditions for which contact lenses provide better visual correction
15% off contact lens services, excluding materials, up to $60

Instead of eyeglasses, elective prescription contact lenses are covered up to $150

Members may use their open access schedule
Laser VisionCare Program Discounts averaging 15-20% off or 5% off a promotional offer for laser surgery including PRK, LASIK and Custom LASIK

Members who have had vision correction surgery can use their frame benefit for sunglasses, instead of a pair of prescription glasses
Laser VisionCare℠ Program benefits only available from a VSP Preferred Provider
Benefits through VSP Open Access

Through VSP Open Access, members have the freedom to choose any provider. All providers can contact VSP directly to check eligibility and submit claims to VSP on behalf of members.

The following is the generous reimbursement schedule for services obtained from other providers—including local or national chains.

  • Eye Exam: $50
  • Single Vision: $50
  • Lined Bifocal: $75
  • Lined Trifocal: $100
  • Lenticular: $125
  • Progressive: $75
  • Frame: $70
  • Elective Contact Lenses: $150
  • Medically Necessary Contact Lenses: $210

Through VSP Open Access, members have the freedom to choose any provider. All providers can contact VSP directly to check eligibility and submit claims to VSP on behalf of members.

The following is the generous reimbursement schedule for services obtained from other providers—including local or national chains.

  • Eye Exam: $50
  • Single Vision: $50
  • Lined Bifocal: $75
  • Lined Trifocal: $100
  • Lenticular: $125
  • Progressive: $75
  • Frame: $70
  • Elective Contact Lenses: $150
  • Medically Necessary Contact Lenses: $210

Related information

VSP Website

Read more and verify your physician is a participating provider.

2019 Flexible Benefit Premiums

Who you can cover and how much it costs.

EXCELLENCE Associate Handbook

View the entire handbook or individual sections.

Summary Plan Descriptions

Summaries for your benefits, retirement and more.

  • 1

    Less any applicable copay

  • 2

    At Costco locations frames will be covered in full up to a $80 retail allowance, which is equivalent to a $150 allowance at other affiliate locations.

  • 3

    Prices shown reflect the standard option price, prices on premium options may vary. Prices are valid only through VSP Preferred Providers and are subject to change without notice.

  • 4

    30% discount applies to glasses purchased the same day as the member’s eye exam from the same VSP Preferred Provider who provided the exam. Members will also receive 20% off unlimited additional pairs of glasses valid through any VSP Preferred Provider within 12 months of the last covered eye exam.

  • 5

    Using wavefront technology with the microkeratome surgical device only. Other LASIK procedures may be performed at an additional cost to the member. Laser VisionCare discounts are only available from VSP-contracted facilities.

No personal or confidential associate information is contained within BBTBenefits.com.

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

Not all subsidiaries and affiliates of BB&T Corporation participate in the benefit programs and policies presented within BBTBenefits.com.