For both the Basic and Buy-up Vision Plans, you have the choice of receiving care from any qualified vision provider. However, the plans pay higher benefits if you receive care from one of the VSP preferred providers who participate in the Trust Early Retiree Voluntary Vision Plans network. No matter which provider you choose, there is no annual deductible to satisfy.

The Basic and Buy-up Vision Plans cover many of the same services. The plans differ in the amount of benefits they pay — you will generally pay a higher copayment for some services under the Basic Vision Plan, but you will also pay a lower monthly premium rate for this coverage.

VSP preferred providers include VSP optometrists and ophthalmologists. These doctors have contracted with VSP to provide vision care services and eyewear at discounted prices.

When you receive care from a VSP preferred provider, routine eye exams and standard spectacle lenses are paid in full. Frames and contact lenses are paid up to a maximum benefit amount. (See "How the Plans Pay Benefits" for more information.) VSP preferred providers will bill VSP directly for your services. You have no claim forms or paperwork to complete for services received from VSP network doctors. You will, however, be responsible for any charges above the maximum benefit amount.

You can always see a covered provider outside the VSP network and still receive plan benefits. However, the plan will pay a reduced benefit, up to a maximum benefit amount. At the time of service, you are required to pay for the vision services or eyewear in full. You may submit a claim for reimbursement of covered services to:

VSP pays benefits directly to you. Claims must be submitted within 365 days from the date of service.

The itemized receipt must include the following information: