Superior Vision: Plans, coverage and cost for vision insurance

Superior Vision is a vision insurance company that offers group and individual vision insurance plans from Versant Health. The company has a group of in-network eye doctors who accept the insurance and provide care to patients at negotiated rates for a copay.

Even if you don't wear glasses or contacts right now, it's a good idea to protect your eyes with vision insurance. Superior Vision is one insurance company you may want to consider when shopping for coverage.

Learn about Superior Vision insurance, plans, coverage and costs so you can decide if this vision insurance provider is right for you.

What is Superior Vision insurance?

Superior Vision sells vision care plans directly to individuals and also offers group plans through employers. 

Superior Vision is smaller and less well known than some large vision insurance providers such as VSP or EyeMed. But it may be a good option for individuals in some areas and business owners looking to add group vision insurance to their employee benefits.

Superior Vision has a group of more than 60,000 in-network eye care retailers. This includes the top 50 vision care chains and over 104,000 eye doctors, according to the company.

Is Superior Vision VSP?

Superior Vision is not VSP: the companies are two different vision insurance companies. VSP is one of the largest vision insurance providers with 88 million members around the world. Like Superior Vision, VSP also maintains a large network of eye doctors.

Superior Vision insurance plans

It's important to note that Superior Vision isn't available everywhere for individuals. You have to type in your zip code to see if it's available in your area. 

You can also check the website to see available plans and also how much each plan would cost for just you, or you plus one other person or your whole family. Keep in mind that individual plans you buy on your own may differ from group coverage offered at your job.

Here's an example of what's included in three individual Superior Vision plans we shopped:

Superior Vision Essential plan

• Covers an annual eye exam after a $15 copay

• Covers eyewear materials (i.e., lenses and frames) after a $25 copay

• Covers lenses in full with discounts on anti-scratch coating and polycarbonate lenses

• Offers a $125 allowance toward frames

• Covers contact lens fitting after a $25 copay

• Offers an allowance of $120 toward contact lenses

• Discounts on LASIK and other vision care

Superior Vision Classic plan

• Covers an annual eye exam after a $15 copay

• Covers eyewear materials (i.e., lenses and frames) after a $25 copay

• Covers lenses in full, including polycarbonate, with discounts on anti-scratch coating

• Offers an allowance of $150 toward frames

• Covers a contact lens fitting after a $25 copay

• Offers an allowance of $150 toward contact lenses

• Discounts on LASIK and other vision care

Superior Vision Premier plan 

• Covers an annual eye exam after a $20 copay

• Covers eyewear materials (i.e., lenses and frames) after a $25 copay

• Covers lenses in full, including polycarbonate, with anti-scratch coating included

• Offers an allowance of $200 toward frames

• Covers a contact lens fitting after a $25 copay

• Offers an allowance of $150 toward contact lenses

• Discounts on LASIK and other vision care

Be sure to check the notes at the bottom of each plan’s webpage for extra details. For example, if you choose contact lens coverage, it takes the place of frame and eyeglass lens coverage.

If you're considering one of these Superior Vision plans or trying to decide between them, it's a good idea to crunch the numbers. Look at the annual cost of the premiums compared to the value of the benefits you'll use in the plan to see which one makes the most sense for you.

How much does Superior Vision insurance cost?

The cost of an individual Superior Vision insurance plan depends on which plan you choose and whether you're getting coverage for just you, or you and one other person, or your whole family. The price of Superior Vision plans starts at $12.50 a month, according to the company.

We shopped the plans using a Houston zip code. In that area, the prices ranged from $12.83 a month for the cheapest plan for one person to $57.34 a month for the most expensive plan for a family.

What does Superior Vision insurance cover?

Superior Vision coverage varies based on the plan. In general, Superior Vision covers:

• An annual eye exam after a copay

• Eyewear materials such as lenses and frames after a copay

• Frames up to a certain allowable amount 

• Lenses, with polycarbonate and anti-scratch coating included with some plans

• A contact lens fitting after a copay

• Contact lenses up to a certain allowable amount

Superior Vision also offers discounts from in-network providers on some eyewear and eye care services not covered by the plan.

Does Superior Vision cover LASIK?

Superior Vision does not cover LASIK or other types of vision surgery on any of its plans. But Superior Vision plan members do get discounts ranging from 15 to 50 percent on LASIK from in-network eye surgeons.

How to use an out-of-network eye doctor with Superior Vision 

You can use an out-of-network provider with Superior Vision, but you'll have to pay out of pocket and get reimbursed later.

When you want to use an out-of-network provider, you should first call Superior Vision customer service at 1-800-507-3800 to get an authorization number. You then visit the eye doctor, pay out of pocket and file a claim with Superior Vision using a Superior Vision claim form. You'll get reimbursed the out-of-network rate minus any copay.

Buy glasses online with Superior Vision insurance

You may be able to use Superior Vision insurance to buy glasses online. The following online contact lens and glasses retailers are in-network on most Superior Vision plans:

• Befitting 

• Contacts Direct 

• 1-800 Contacts 

• Glasses.com 

You'll have to check your Superior Vision member benefits for your plan to confirm that these online eyewear retailers are in-network. And note that many popular online glasses retailers, including Warby Parker and Zenni Optical, are not in-network for Superior Vision insurance.

How to reach Superior Vision customer service

You can get help on the Superior Vision website or call Superior Vision customer service if you need help with your benefits.

The Superior Vision insurance customer service phone number is 1-800-507-3800. Superior Vision automated phone service is available 24/7. Live customer service is available Monday through Friday from 8 a.m. to 9 p.m. and on Saturday from 11 a.m. to 4:30 p.m. Eastern time.

Superior Vision insurance card replacement

Need a Superior Vision insurance card replacement? You can log into your account on the Superior Vision website and print a copy of your member ID card. You can also call customer service and ask to have a card mailed to you.

If you have an eye doctor visit coming up and you lost your Superior Vision insurance card, you don't need to get a new card before the visit. Just tell your eye doctor you have Superior Vision insurance, and they will take care of the claims process.

Find a Superior Vision eye doctor near you

Having vision insurance can be a good reminder to schedule regular comprehensive eye exams, which are important for keeping your eyes healthy. 

Need to find an eye doctor that takes Superior Vision insurance? Use the Superior Vision eye doctor locator tool to find an in-network eye doctor so you can schedule your eye exam without delay.

LEARN MORE about vision insurance benefits, networks and plans.

Page published on Thursday, June 24, 2021