VISION INSURANCE: Enrollment Available Immediately. No Underwriting Required
The FPA group vision plan is provided by MetLife (Metropolitan Life insurance Company) – a leading global provider of vision insurance. Good vision is essential in all types of occupations, and you are more likely to get preventive eye exams when you have vision insurance.  Regular eye exams help to identify and treat health issues early on.*
  • Nationwide network of providers.  Visit https://www.metlife.com/insurance/vision-insurance/ to find a provider.
  • Coverage is effective on the first of the month following enrollment.
  • Value added feature: 20% off the cost for additional pairs of prescription glasses and non-prescription sunglasses, including lens enhancements.
​*Heiting, OD, Gary, Vision Screenings vs. Eye Exams: Why Are Eye Exams Important?, All About Vision, April 2018,
www.allaboutvision.com/eye-exam/importance.htm.

Download the Vision Plan Summary here.

Eligibility
All active members of the FPA association and their employees, working 20 hours per week. 
Cancelation of coverage – Lifetime lockout to re-enroll
There is a lifetime lockout for those who cancel coverage and wish to re-enroll at a later date.
HOW TO APPLY
To begin your application, click on the link below. You will be directed to the Ryan Insurance Strategy Consultants application website. Be sure to answer all questions related to the application to the best of your knowledge. ​​

CUSTOMER SERVICE PORTAL

Visit our customer service portal to view your policy information, update your personal information, change the bank account used to pay your premiums and update your monthly earnings for your disability policy(s). Once on the customer service portal homepage, click the red button to download the user guide and information on how to register. If you have additional service and/or administrative questions you can call the customer service center at: (866)809-3899 or email the customer service center at: ryan@ftj.com. The customer service center fax number is: (816)-968-0660.
COVERAGE DETAILS
Reimbursement
​In-Network Coverage
(Using a Network Provider)
Out-of-Network Reimbursement
(Using a Non-Network Provider)
Comprehensive exam of visual functions and prescription of corrective eyewear.
$10 copay
$45 allowance
​Retinal Imaging
This screening is used to take pictures of the inside of the eye particularly the retina to look for possible changes.
​Up to $39 copay
Applied to the exam allowance
Standard Corrective Lenses
  • Single vision​
  • Lined bifocal
  • Lined trifocal
  • Lenticular
  • $25 copay
  • $25 copay
  • $25 copay
  • $25 copay
  • $30 allowance
  • $50 allowance 
  • $65 allowance
  • $100 allowance
Standard Lens Enhancement
Coverage
In-Network and Out of Network Allowance
Ultraviolet coating
Covered in Full
​Applied to the allowance for the applicable corrective lens
​Polycarbonate (child up to age 18)
​Covered in Full
Applied to the allowance for the applicable corrective lens
Progressive Standard
Covered in Full
$50 allowance
Progressive Premium/Custom
Premium: Up to $95-$105 copay
Custom: Up to $150-$175 copay
​$50 allowance
Polycarbonate (adult)
Single Vision: Up to $31 copay
Multifocal: Up to $35 copay
Applied to the allowance for the applicable corrective lens
Scratch-resistant coating (variable by type)
Up to $17 - $33 copay
Applied to the allowance for the applicable corrective lens
Tints (variable by type)
Single Vision: Up to $17 - $34 copay
Multifocal: Up to $17 - $44 copay
Applied to the allowance for the applicable corrective lens
Anti-reflective coating (variable by type)
Up to $41 - $85 copay
Applied to the allowance for the applicable corrective lens
Photochromic (variable by type)
Up to $47 - $82 copay 
Applied to the allowance for the applicable corrective lens
Frame Allowance
(You will receive an additional 20% off any amount that you pay over your allowance. This offer is available from all participating locations except Costco, Walmart and Sam’s Club.)
 
Costco, Walmart and Sam’s Club
 
$130 allowance
 
 
 


$70 allowance 
$70 allowance
CONTACT LENSES
​Coverage
​Allowance
Elective
​$130 allowance
$105 allowance
Necessary
Covered in full after eyewear copay
$210 allowance
Contact Fitting and Evaluation
Standard or Premium fit:
Covered in full with a maximum copay of $60
Applied to the contact lens allowance
ADDED VALUABLE FEATURES
AVAIALBLE 
Additional Savings on Glasses and Sunglasses 1
Get 20% off the cost for additional pairs of prescription glasses and non-prescription sunglasses, including lens enhancements. At times, other promotional offers may also be available.
Laser Vision Correction 2
 Savings averaging 15% off the regular price or 5% off a promotional offer for laser surgery including PRK, LASIK.
1 Member costs for listed lens enhancements will be limited to copays that MetLife has negotiated with participating providers.  These copays can be viewed by members after enrollment at www.metlife.com/mybenefits.  All lens enhancements are available at participating private practices. Maximum copays and pricing are subject to change without notice. Please check with your provider for details and copays applicable to your lens choice. Please contact your local Costco, Walmart and Sam’s Club to confirm the availability of lens enhancements and pricing prior to receiving services. Additional discounts may not be available in certain states.
2 Custom LASIK coverage only available using wavefront technology with the microkeratome surgical device. Other LASIK procedures may be performed at an additional cost to the member. Laser vision care discounts are only available from participating locations.
Supplemental Rider Benefit Information
In-Network
Out-of-Network
Low Vision                                                      Once every 24 months
  • Provides additional benefits to members who are not legally blind, but whose eyesight cannot be corrected to 20/70 with the use of optical lenses. Not available at retail chains including Costco, Walmart and Sam’s Club.
  • Supplemental evaluation: Covered in full up to a benefit maximum. Maximum of two tests within a two-year period. 
  • Supplemental aids: 75% of allowable amount up to benefit maximum.
  • Benefit maximum: $1,000 every two years.
 
​Low vision:  
-Supplemental evaluation and aids: Same as in-network benefits.
Frequency and Exclusions 
Either glasses or contacts allowed per frequency
Class Description: All Active Members
Frequencies
Examinations
​1 per 12 Months
Standard Corrective Lenses
1 per 12 Months
Frames
1 per 12 Months
Contact Lenses
1 per 12 Months
Exclusions
  • Services and/or materials not specifically included in the Schedule of Benefits as covered Plan Benefits.
  • Any portion of a charge in excess of the Maximum Benefit Allowance or reimbursement indicated in the Summary of Benefits.
  • Plano lenses (lenses with refractive correction of less than ± .50 diopter)
  • Two pairs of glasses instead of bifocals.
  • Replacement of lenses, frames and/or contact lenses furnished under this Plan which are lost, stolen or damaged, except at the normal intervals when Plan Benefits are otherwise available.
  • Orthoptics or vision training and any associated supplemental testing.
  • Medical or surgical treatment of the eyes.
  • Prescription and non-prescription medications.
  • Contact lens insurance policies or service agreements.
  • Refitting of contact lenses after the initial (90-day) fitting period.
  • Contact lens modification, polishing or cleaning.
  • Local, state and/or federal taxes, except where MetLife is required by law to pay.
  • Any eye examination or any corrective eyewear required as a condition of employment.
  • Services and supplies received by You or Your Dependent before the Vision Insurance starts for that person.
  • Missed appointments.
  • Services or materials resulting from or in the course of a Covered Person’s regular occupation for pay or profit for which the Covered Person is entitled to benefits under any Workers’ Compensation Law, Employer’s Liability Law or similar law.  You must promptly claim and notify the Company of all such benefits.
  • Services: (a) for which the employer of the person receiving such services is not required to pay; or (b) received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital.
  • Services or materials received as a result of disease, defect, or injury due to war or an act of war (declared or undeclared), taking part in a riot or insurrection, or committing or attempting to commit a felony.
  • Services and materials obtained while outside the United States, except for emergency vision care.
  • Services, procedures, or materials for which a charge would not have been made in the absence of insurance.
Current Monthly Vision Rates. Rates are subject to change. 
PARTICIPANT
RATE
Member Only 
Member + Spouse 
Member + Child(ren)
Member + Family  
​$10.95 per month
$21.95 per month
$18.95 per month
​$30.65 per month
Underwritten by: 
​Metropolitan Life Insurance Company 
200 Park Avenue
New York, New York 10166
Administration by:
​Forrest T. Jones and Company, Inc.
3130 Broadway
Kansas City, Missouri 64111
The Group Vision plan is made available through the FPA professional association. MetLife Vision benefits are underwritten by Metropolitan Life Insurance Company, New York, NY. Certain claims and network administration services are provided through Vision Service Plan (VSP), Rancho Cordova, CA. VSP is not affiliated with Metropolitan Life Insurance Company or its affiliates. Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods, and terms for keeping them in force. Please contact your plan administrator for costs and complete details. 
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