Terms and Conditions

Terms and Conditions

Vision Benefits of America, Inc. (“VBA”) provides a panel of doctors, member services and access to its VBA Member Portal for the VBA Solo benefits listed above.

By purchasing VBA Solo, you agree to the following terms and conditions.

Content on this website sets forth the benefits, exclusions and limitations of a VBA Solo membership. In the event that there are discrepancies with the information on the VBA Solo website, VBA Member Portal or other documents, these Terms and Conditions will govern.

The discounts and allowances offered through VBA Solo are not insured benefits.

Coverage Period

Benefits provided for under your selected plan must be utilized within twelve (12) months from the date of your VBA Solo purchase. Any unused benefits will expire at the end of the Coverage Period and shall not be refunded or carried over to a renewal period, if any.

Purchase and Renewal Conditions

By entering your credit card information, you confirm that you are at least 18 years old and you authorize VBA to charge your credit card for the selected plan. Purchaser further agrees to be solely responsible for the payment of any sales tax at the point of service.

So long as (1) VBA continues to offer the selected plan, (2) all fees have been paid, and (3) the member has not abused benefits or committed fraud, coverage through VBA Solo is renewable at the option of the purchaser/member. Coverage will not automatically renew. By providing your email address, you agree to permit VBA to email you a renewal notice prior to the end of the Coverage Period.

Termination Conditions

VBA reserves the right to terminate membership from a plan for any reason. If VBA terminates the plan or your membership for a reason other than non-payment, you will receive a refund of all fees paid to date minus any payments made by VBA for claims through the plan on your behalf.

Cancellation Conditions/Right to Return

So long as you have not utilized any benefits under the plan, you may cancel at any time during the Coverage Period to receive a full refund of your payment (less a $10.00 non-refundable processing fee). If for any reason during this time period you are dissatisfied with the plan and wish to cancel and obtain a refund, you must submit a written cancellation request. VBA will accept cancellation requests at any time during the Coverage Period. Send a cancellation request with your name and member number (or last four (4) digits of your SSN) to Member Services, VBA, 400 Lydia Street, Suite 300, Carnegie, PA 15106 or fax to 412-885-5646. You may also submit a cancellation request by email: memberservices@vbaplans.com. When you cancel, you will no longer have access to your plan or the VBA Member Portal.

Other Insurance Coverage

VBA cannot coordinate benefits payable under this Policy with any other private or government insurance plan, including any other plan underwritten by VBA.

Services and Materials from VBA Participating Providers

Purchase of a VBA Solo plan entitles you to the following benefits during the Coverage Period:

Vision Examination

A complete analysis of the eyes and related structures to determine the presence of vision problems or other abnormalities.

Spectacles and Related Services

Each beneficiary is entitled to one (1) pair of new lenses once each Coverage Period. Coverage includes prescription glass or plastic, single vision, lined bifocal, lined trifocal or lenticular lenses. See plan description for other fully-covered lens options if applicable.

If the beneficiary selects a more expensive frame than that allowed under the plan, the beneficiary shall be responsible for any overage.

Contact Lenses
In lieu of all other benefits described (Spectacle Lenses and Frames), and subject to the terms and conditions contained herein, the beneficiary may opt to utilize the plan’s Contact Lens Allowance towards the cost of fittings and materials for elective contact lenses. Members may be required to pay contact fitting fees out-of-pocket at some locations.

Limitations, Exclusions & Exceptions

Copayments and other out-of-pocket expenses apply to the vision examination and/or to the purchase of most materials. Medical services and supplies are not covered under this policy. Each person covered under this policy may have higher out-of-pocket expenses if they use a doctor who is not part of VBA’s provider network.

Where an "allowance" is shown, the Member is responsible for paying any charges in excess of the allowance amount, less any applicable copay.

Where a "discount" is shown, the Member is responsible for paying the provider’s full (usual and customary) fee unless services are obtained through certain In-Network Providers who participate in VBA’s discount program. Void where prohibited by law.

Benefits (including allowances and discounts) may vary at participating retail locations including Boscov's Optical, Costco Optical, LensCrafters, Pearle Vision, Target Optical and Visionworks.