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Bright Idea Vision

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Affordable vision insurance from Bright Idea Vision.

No waiting periods. Guaranteed issue. No age or regional pricing schedule. Coverage includes frames, lenses, contact lens, eye exams, and more.


Enrollment and Payment Info

  • Monthly recurring premium rates are as indicated above.
  • Policy requires membership in AAIC ($2 monthly recurring fee).
  • Coverage for enrollment between the 1st - 25th is effective on the first of the following month. Enrollment between the 26th - month end, is effective on the first of the next month.
    (I.E. enrollment on January 1 - 25th, is effective on February 1. Enrollment on January 26-31st, is effective on March 1)
  • Your first payment will be collected from your credit/debit card upon enrollment.
  • Future payments will be collected on the 25th of each month thereafter, after your effective date.

Product Details - schedule of benefits and coverage

 
Co-pay: $10.00 Exam / $25.00 Materials
Comprehensive Vision Exam: One every 12 months
Lenses: One pair every 12 months
Frame: One frame every 24 months
Contact Lenses:* One pair every 12 months
 
  Participating Provider Non-Participating Provider
Comprehensive Examination Covered Up to $ 40.00
Single Vision Lenses Covered Up to $ 30.00
Bifocal Lenses Covered Up to $ 50.00
Trifocal Lenses Covered Up to $ 65.00
Polycarbonate Lenses*** Up to $ 85.00 Up to $ 65.00
Progressive Lenses Up to $ 89.50 Up to $ 65.00
Photochromic Lenses Up to $30.00 Up to $ 20.00
Anti-Reflective Up to $25.00 Up to $ 15.00
Ultraviolet Coating Up to $16.00 Up to $ 10.00
Scratch Coating Up to $15.00 Up to $ 5.00
Aphakic Monofocal Covered Up to $ 125.00
Aphakic Multifocal Covered Up to $ 125.00
Frame Retail Allowance* Up to $150.00 Up to $ 75.00
Contact Lenses **
Medically Necessary Covered Up to $ 250.00
Cosmetic or Convenience Up to $150.00 Up to $ 150.00

The Policy provides full coverage for Covered Services when you go to a Participating Provider of the MESVision network. If Covered Services are provided by a Non-Participating Provider, charges will be paid, but not to exceed the following Schedule of Allowances.

* Participating Providers allow a selection of frames that retail up to $150.00 with lenses that fit an eyesize less than 61 millimeters. If a more expensive frame is selected, you are responsible for the additional cost above $150.00. If the lenses received are 61 millimeters or above, the charge for the oversize lenses is your responsibility. “The retail frame allowance will be converted to wholesale or warehouse equivalent prices at category 5 or 6 provider locations (please refer to the Plan’s website at www.MESVision.com). The wholesale or warehouse equivalent may be approximately 30% less than the retail frame allowance; please confirm this benefit before ordering your eyewear”

** This benefit is in addition to the comprehensive vision examination, but in lieu of lenses and frame. If contact lenses are for cosmetic or convenience purposes, the Policy will pay up to $150.00 toward the contact lens evaluation, fitting costs and materials. Any balance is your responsibility. If contact lenses are medically necessary, they are a fully covered benefit. Approval from MESVision is required. Please refer to your Policy if you require additional information.

***For Dependent Children through age 18

 

ADDITIONAL DISCOUNTS

A 20% discount is available for cosmetic extras, such as tints, coatings and other add-on charges to standard lenses, after Covered Services are rendered. The discount may be applied to charges for the frame or contact lenses (except disposable or replacement contact lenses) over the stated allowances. The 20% discount also applies to additional pairs of glasses and/or pairs of standard contact lenses. To determine whether a provider offers the 20% discount, an insured individual can review their Participating Provider Directory, call MESVision or visit www.MESVision.com. Discounts are available through TLCVision for conventional and custom LASIK procedures with the TLCVision Advantage Program.
 

(once connected enter your zip code to search the network)


Vision Insurance FAQ

Does My Vision Plan have any waiting periods?
There are NO WAITING PERIODS!
All benefits begin on your effective date. 

Who is eligible to purchase the plan?

The insurance coverage is available in states where it's approved to anyone age 18 and older. You can request coverage for your dependents; dependent eligibility varies based on state law.

Can I purchase a vision plan if my employer or health plan does not provide one?
Yes, anyone can take advantage of the Preferred Vision Plan..

Do I have coverage outside of the state I live in?
Yes, if you are traveling or have a covered dependent living in a different state, you will still have coverage.

How do I submit claims?
You or your doctor may submit completed claim forms along with any requested information to the address provided on your member id card. Doctors and eye care clinics may submit claims electronically to the contact information provided on your member id card. You may also contact us directly for assistance. 

What if I want to cancel the policy?
All cancellations must be submitted in writing to 

Agentra
Attn: Dental & Vision Dept.
15280 Addison Road, Suite 250 
Addison, TX 75001 

OR by calling 800-979-8266. All Cancellation requests will be effective on the next billing period.

What is your refund policy?
You may only receive a refund provided you have submitted a written or verbal notice of cancellation to our office. This notice must be received prior to your policy effective date. No refunds are permitted once policy effective date has commenced. No refunds are permitted if any claims have been submitted or filed for any service or product for which you have been enrolled.

When will I receive my insurance id cards?
Member ID cards are generally shipped within 7-10 business days after your enrollment has been processed. Actual receipt of your id cards may vary, as all id cards are sent via USPS first class mail.

Replacement id cards may be requested by contacting member services at 1-800-979-8266. 

What if I have more questions?
Please contact your insurance agent.


LIMITATIONS & EXCLUSIONS

LIMITATIONS
Contact Lenses and fitting except as specifically provided; Eyewear when there in no prescription change, except when benefits are otherwise available; Non-standard lenses, including, but not limited to; Progressive, Photochromic, hi-index, Polycarbonate, occupational lenses, beveled, faceted, coated or oversize; Tints other than pink or rose #1 or #2, except as specifically provided; Two pair of glasses in lieu of bifocals, unless prescribed; New-patient intermediate examinations: .When an Enrollee selects a different provider to perform the intermediate examination , the Enrollee will be responsible for the difference between the intermediate examination allowance and the comprehensive examination allowance. To maximize benefits, the patient should return to the original provider; Non-prescription (Plano) eyewear, except when specifically covered.

EXCLUSIONS
Any eye examination required by the employer as a condition of employment; Any covered services provided by another vision plan; Conditions covered by Workers’ Compensation; Contact lens insurance of care kits; Frame cases; Covered Services which began prior to the Enrollee’s effective date or after benefits have been terminated; Charges for which the Enrollee is not legally obligated to pay; Covered Services required by any government agency or program federal, state or subdivision thereof; Covered Services performed by a Close Relative or by an individual who ordinarily resides in the Enrollee’s home; Covered Services obtained from a Non-Participating Provider; Medical or Surgical treatment of the eyes; Orthoptics, vision training or Subnormal or Low Vision Aids; Services that are Experimental or Investigational in nature; Services for treatment directly related to any totally disabling condition, illness or injury; Lenses or frames which are lost, stolen or broken will not be replaced, except when benefits are otherwise available; In connection with war or any act of war whether declared or undeclared; a condition or accident occurring while on full-time active duty in the armed forces or any country or combination of countries.

This is a brief outline of the plan and is not to be accepted or construed as a substitute for the provisions of the contract.

James Goodacre

James W. Goodacre II RHU, REBC
P.O. Box 22423
Carmel, CA 93923
PHONE: (831) 626-9250
jgoodacre@sbcglobal.net

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