www.vspdirect.com Open in urlscan Pro
140.174.14.87  Public Scan

Submitted URL: http://vspdirect.com/
Effective URL: https://www.vspdirect.com/
Submission: On June 27 via api from US — Scanned from DE

Form analysis 6 forms found in the DOM

Name: zip_code_searchPOST /select-a-plan

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Name: couponPOST https://s920311406.t.eloqua.com/e/f2

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</form>

Name: zip_code_searchPOST /select-a-plan

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</form>

Name: zip_code_searchPOST /select-a-plan

<form name="zip_code_search" method="post" action="/select-a-plan">
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  <div class="zip-email-box d-flex align-items-start flex-row flew-wrap mb-3">
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    <div class="email">
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  </div>
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Name: retrieve_quote_enrollmentPOST /my-quote

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    <div class="col-sm-10 text-right pr-0">
      <button type="submit" id="retrieve_quote_enrollment_retrieve" name="retrieve_quote_enrollment[retrieve]" class="btn standard invers btn">FIND QUOTE</button>
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Name: zip_code_searchPOST /select-a-plan

<form name="zip_code_search" method="post" action="/select-a-plan" form_count="1">
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    value=""><input type="hidden" id="zip_code_search_Current_URL" name="zip_code_search[Current_URL]" value="https://www.vspdirect.com/">
</form>

Text Content

execute-vwo
Benefits & Savings
FAQ
Find a Doctor
Already Have VSP?
My Quote

800.785.0699

Hours

 * M–Thu: 7am–9pm CST
 * Fri: 7am–7pm CST
 * Sat: 9:30am–4pm CST
 * Sun: closed
 * 4th of July: closed

 * My Quote
 * Chat
 * 800.785.0699
 * Hours
    * M–Thu: 7am–9pm CST
    * Fri: 7am–7pm CST
    * Sat: 9:30am–4pm CST
    * Sun: closed
    * 4th of July: closed

 * Benefits & Savings
 * FAQ
 * Find a Doctor
 * Español
 * Member Login

 * Chat
 * 800.785.0699
 * Hours
    * M–Thu: 7am–9pm CST
    * Fri: 7am–7pm CST
    * Sat: 9:30am–4pm CST
    * Sun: closed
    * 4th of July: closed




FLEXIBLE COVERAGE. BUILT ESPECIALLY FOR YOU.

 * Multiple Plan Options.
 * Flexible Payments.
 * Large Doctors Network.
 * No Waiting Periods.


FLEXIBLE COVERAGE.
BUILT ESPECIALLY FOR YOU.

 * Multiple Plan Options.
 * Flexible Payments.

 * Large Doctors Network.
 * No Waiting Periods.

Get started:

ZIP*
(optional) Email

See Plans

Plan Wizard
Open Link Here

Savings Info
Open Link Here

Find a Doctor
Open Link Here

Why VSP?

Vision care costs can add up. We can help.

 * Easy same-day enrollmentavailable all year
 * Over 80 million Americanshave VSP!
 * Predictable premiumslittle to no fluctuation year-to-year

Learn More

Build Your Plan

Our plan wizard can help find the best vision plan for you.

Try our plan wizard
Open Link Here

Savings Info

Lower your out-of-pocket costs on eye exams, glasses, and lens enhancements.

View Benefits & Savings
Open Link Here

Find a Doctor

The nation’s largest network of independent vision doctors.

Check our network
Open Link Here

A large selection of Brand Name frames to choose from

Limited Time. VSP Members Get an

Extra $40

On select frame brands

Send me a list of eligible brands:

SUBMIT
Your email has been sent.

Why VSP?

Vision care costs can add up. We can help.

Easy same-day enrollment

available all year

Predictable premiums

little to no fluctuation year-to-year

Over 80 million Americans

have VSP!

Learn More

Find your

Perfect Plan

Get started:

ZIP*
(optional) Email

See Plans

Find your
perfect plan.

See Plans >

Who's enrolling?

Who's Enrolling?

Families

read more

I value the low out-of-pocket costs because there are 5 of us in the family and
they can add up quickly.

NY

Who's Enrolling?

Medicare

Most health insurance plans do not cover eye care. VSP supplements health plans
for what is needed as one grows older and the eyes start to wear.

VA

Who's Enrolling?

Veterans

I learned about VSP through USAA. I had 100% medical coverage through the VA,
but not for vision care. Thank you very much for the affordable eye care.

OH

Who's Enrolling?

Retiree

read more

Being retired and on a fixed income, this plan saves me a lot of money.

Deborah A, OH

Who's Enrolling?

Former VSP member

read more

I liked how simple it was to switch from the plan I had with the company I was
working for.

Kent F, AL

Who's Enrolling?

Self-employed workers

read more

So excited to get an eye exam and two new pair of glasses. I am self employed,
with no insurance for eye care.

Doris F, NC

Who's Enrolling?

Couples

read more

My husband and I were able to both get our glasses for half of what we used to.
We saved over $200.

M.L

Who's Enrolling?

Families

read more

I value the low out-of-pocket costs because there are 5 of us in the family and
they can add up quickly.

NY

Who's Enrolling?

Medicare

Most health insurance plans do not cover eye care. VSP supplements health plans
for what is needed as one grows older and the eyes start to wear.

VA

Who's Enrolling?

Veterans

I learned about VSP through USAA. I had 100% medical coverage through the VA,
but not for vision care. Thank you very much for the affordable eye care.

OH

Who's Enrolling?

Retiree

read more

Being retired and on a fixed income, this plan saves me a lot of money.

Deborah A, OH

Who's Enrolling?

Former VSP member

read more

I liked how simple it was to switch from the plan I had with the company I was
working for.

Kent F, AL

Who's Enrolling?

Self-employed workers

read more

So excited to get an eye exam and two new pair of glasses. I am self employed,
with no insurance for eye care.

Doris F, NC

Who's Enrolling?

Couples

read more

My husband and I were able to both get our glasses for half of what we used to.
We saved over $200.

M.L

Who's Enrolling?

Families

read more

I value the low out-of-pocket costs because there are 5 of us in the family and
they can add up quickly.

NY

Who's Enrolling?

Medicare

Most health insurance plans do not cover eye care. VSP supplements health plans
for what is needed as one grows older and the eyes start to wear.

VA

Who's Enrolling?

Veterans

I learned about VSP through USAA. I had 100% medical coverage through the VA,
but not for vision care. Thank you very much for the affordable eye care.

OH

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 * 4
 * 5
 * 6
 * 7

View All

close


WHO'S ENROLLING?

RETIREE

“Being retired and on a fixed income, this plan saves me a lot of money.”
Deborah A , OH
“Retired and needed vision plan, had VSP for years when employed. VSP has been
just as great a program now as when working. ” Barbara , NC
“I recently retired and I decided to keep the same vision plan (VSP) that my
employer had. I have had nothing but good experiences with VSP for many years. ”
Henrietta R , VA
“I had VPS when I was working , before retirement . Then I was given the
opportunity to have this plan again. Made me happy. ” Annette , NC
“My husband retired in 2012 and we had always had a plan with his work. I did
some searching and found that VSP was the right fit for my husband and I. ” Mary
V , KS
“I had VSP with my employer before I retired, then my doctor's office told me I
could get it on my own. ” VA
close


WHO'S ENROLLING?

FORMER VSP MEMBER

“I liked how simple it was to switch from the plan I had with the company I was
working for. ” Kent F , AL
“I had VSP as part of employer insurance and switched employers, new job did not
offer VSP so I got VSP on my own. Its very cost effective and I love the savings
at the Doctors. ” Jessie F , TX
“I have been a VSP member for years, I had it when I was working, and I am
always satisfied with the savings and long list of eye doctors that accept this
insurance. ” Norman H , FL
“I love the fact that I can pay individually for VSP eye care insurance that I
was happy with for over 10 years with my previous employer. ” KS
“I have always been extremely satisfied with my VSP coverage, first through my
employer, then as an individual policy. ”
close


WHO'S ENROLLING?

SELF-EMPLOYED WORKERS

“So excited to get an eye exam and two new pair of glasses. I am self employed,
with no insurance for eye care. ” Doris F , NC
“I'm a sole proprietor with two children at home. I was finally able to get GOOD
glasses which help me in my work and have decreased my headaches. Such a
blessing. ” Lani P , CA
“I've never been part of an easy benefits package!!! I can't express enough how
much I liked the amount of savings VSP has created for me... and I'm getting the
glasses that I need and want!! ” Jevon B , OH
close


WHO'S ENROLLING?

COUPLES

“My husband and I were able to both get our glasses for half of what we used to.
We saved over $200. ” M.L
“I did some searching and found that VSP was the right fit for my husband and
I.” Mary V , KS
“Before VSP, my wife and I needed glasses desperately but couldn't afford to get
them.” TN
“My husband and I went to the eye doctor and walked out with two pairs of
glasses – including my husband’s bifocals – for only $54. ” T.M
“VSP helps us so we can both go to the eye doctor for our yearly exam and make
any changes to our prescriptions. Thank you VSP. ”
close


WHO'S ENROLLING?

FAMILIES

“I value the low out-of-pocket costs because there are 5 of us in the family and
they can add up quickly. ” NY
“My daughter is under watch for Glaucoma due to high pressure in her eyes…VSP
and her doctor have been great. We don’t know what we would have done without
them. ”
“Both of my sons wear glasses and VSP has saved me hundreds of dollars when
purchasing glasses for my two boys, especially when I have to replace them more
often than I would like. ”
“Over the years my family has saved hundreds of dollars toward the cost of eye
exams and glasses, which makes me happy. VSP is a must! ” Brenda B , CA
close


WHO'S ENROLLING?

MEDICARE

“Most health insurance plans do not cover eye care. VSP supplements health plans
for what is needed as one grows older and the eyes start to wear. ” VA
close


WHO'S ENROLLING?

VETERANS

“I learned about VSP through USAA. I had 100% medical coverage through the VA,
but not for vision care. Thank you very much for the affordable eye care. ” OH
close


SAVINGS TO SMILE ABOUT


GUARDIAN DIRECT® DENTAL INSURANCE

VSP has partnered with Guardian Direct to provide affordable dental insurance
plans. Guardian Direct offers you:

 * Large Network of Dentists. Over 114,000 dentists to ensure you find quality
   care near you.
 * Cost Savings. Most plans cover cleanings and x-rays, and you can save up to
   35% on dental procedures when seeing an in-network dentist.
 * Easy Enrollment. It takes just a few minutes to enroll and there are no claim
   forms for you to submit with an in-network dentist.
 * Guaranteed Acceptance. With instant approval, you can get a dental insurance
   policy today!

*Costs vary by state. Dental insurance plans starting at $20.00/month in most
states

Dental Insurance is offered by The Guardian Life Insurance Company of America
("Guardian"). Neither Guardian nor its wholly-owned subsidiary DTC GLIC, LLC
(d/b/a DTC GLIC Insurance Sales, LLC in California) is affiliated with VSP. VSP
does not assume any responsibility or liability for non-VSP products or
services, including those offered by Guardian or DTC GLIC, LLC. (d/b/a DTC GLIC
Insurance Sales, LLC in California 2020-94002 (2/22)

The name Vision Service Plan and the registered logo(s), service mark(s), and
trademark(s) owned by Vision Service Plan or any of its subsidiaries or
affiliates, and the contents of this site may not be used in any advertising or
publicity, or other use without the prior explicit written permission of Vision
Service Plan (VSP).

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FEATURED FRAMES



Whether you’re looking for classic frames or trendy styles, you’ll find the best
selection of frames at your VSP doctor’s office. You can use your allowance
toward any frame that your VSP doctor carries. Plus, we offer an additional $20
to spend on these frame brands:

 * Altair®
 * Anne Klein
 * bebe
 * CALVIN KLEIN
 * CALVIN KLEIN JEANS
 * Cole Haan
 * Columbia
 * Converse
 * Cutler and Gross
 * DKNY
 * Donna Karan
 * Dragon®
 * Draper James
 * Flexon®
 * Genesis®
 * JOE Joseph Abboud
 * Joseph Abboud
 * Kilter®
 * Lacoste
 * Lanvin
 * Lenton & Rusby®
 * Liu Jo
 * Longchamp
 * Marchon NYC™
 * McAllister
 * MCM
 * Nautica
 * Nike
 * Nine West
 * Otis & Piper™
 * Paul Smith
 * Pure®
 * Salvatore Ferragamo
 * Skaga®
 * Spyder™
 * Sunlites™
 * Victoria Beckham
 * Zeiss

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WHY VSP?

TOP FIVE REASONS YOU CAN FEEL CONFIDENT:

1
Consumers' #1 Choice

We’re dedicated to member satisfaction. See why we’re #1.



*2017 National Vision Plan Member Research.

2
Founded by Eye Doctors

VSP was founded in 1955 by a group of optometrists who wanted to provide access
to affordable, high-quality eye care to the world. When you choose VSP, you can
be confident you’re choosing a company that puts your vision care needs first.

3
Focus on People, not Profit

VSP is the only national not-for-profit vision care company. We reinvest in our
members and the community through the advancement of optometry, eyewear
donations, and mobile clinics to help connect people in need with a local VSP
network doctor.

4
WellVision Exam®

VSP network doctors provide the most comprehensive eye exam possible—a
WellVision Exam. Through this exam, doctors get a better view of your eyes and
look for eye health problems such as glaucoma, and diabetic eye diseases while
looking for signs of serious health conditions like high blood pressure.

5
More Options

With VSP, you get choice. You can pick the plan that’s right for you and choose
your payment schedule. Plus, you can visit any VSP network doctor you like,
whether it’s close to home, work, or school.

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TERMS OF SERVICE

1. PRIVACY

Please review our Privacy Policy to understand VSP's practices regarding
Protected Health Information

2. COPYRIGHT AND TRADEMARKS

The name Vision Service Plan and the registered logo(s), service mark(s), and
trademark(s) owned by Vision Service Plan or any of its subsidiaries or
affiliates, and the contents of this site may not be used in any advertising or
publicity, or other use without the prior explicit written permission of Vision
Service Plan (VSP). Visionworks is an affiliate of Vision Service Plan.

3. DISCLAIMER OF WARRANTIES AND LIMITATIONS OF LIABILITY

VSP makes no representations about the suitability of this information for any
purpose. It is provided "AS IS" without express or implied warranty, including,
but not limited to, the implied warranties of merchantability, or fitness for a
particular purpose. In no event shall VSP be liable for any special, indirect or
consequential damages or any damages whatsoever resulting from loss of use, data
or profits, whether in action in contract, negligence or other tort action,
arising out of or in connection with the use or performance of this information.

4. CONTENT

VSP has taken reasonable steps to ensure that the information on this site is
accurate and timely. VSP, however, assumes no responsibility for any errors or
omissions on this site or for the accuracy, truthfulness, or content of other
documents that are referenced or linked to this site. Nor does VSP make any
commitment to update the information contained herein. This publication and
other documents are subject to change without notice. Health information content
appearing is not intended as, and shall not be received or construed as
patient-specific advice or a substitute for patient-specific advice.

5. LINKS

Links to documents outside of this publication are provided as a convenience and
do not necessarily reflect the views or opinions of the staff or management of
VSP. Links to such documents do not in any way suggest VSP's endorsement of any
product or service specified therein. Links to documents outside of this
publication may be found to contain offensive material or may further link to
pages that may contain offensive material.

6. VSP'S EYE CARE INFORMATION

VSP's Eye Care Information provides basic eye care information to encourage
overall eye health and wellness education. Members are encouraged to review
benefit information on vsp.com.

7. VSP'S RELATIONSHIP WITH THIRD-PARTIES OR CONTRACTORS

This site contains links to Third-Party (or Contractor) websites. VSP does not
control or maintain Third-Party or Contractor sites. VSP does not endorse and is
not responsible for the privacy practices of Third-Party or Contractor sites.
Visitors should review the privacy policy of these sites to understand how they
collect and use the information on their sites.

8. CONFIDENTIALITY AND SECURITY

VSP members who enter personal information should know all communication between
their computer and VSP's Web servers are encrypted using Transport Layer
Security (TLS 1.2) technology. VSP's security software is the industry standard
and among the best software available today for secure transactions.

Some features, such as VSP's Network Doctor Directory and the member's benefit
information, relate directly to a member's personal information.

9. USE OF E-MAIL SUBSCRIPTION INFORMATION

Email subscription information that VSP collects may be used to personalize and
target content of the emails you receive from VSP, enabling us to improve our
service to you. As a subscriber, you may receive information from VSP, including
VSP promotions, plan, benefit or educational information and/or surveys. We will
not sell or use the information outside of VSP’s family of companies. We may
provide general reports on email subscription usage but we will not share email
addresses or any personal information that allows for identification of
individuals except as described herein.

10. WIRELESS PHONE TERMS OF SERVICE

Text and data charges may apply. Please check with your carrier. You can cancel
mobile text messages any time by replying STOP to any message. By submitting
your mobile phone number, and checking the box, you are agreeing to receive text
messages from VSP®, its affiliates, and third parties acting on VSP’s behalf.

11. THE USE OF COOKIES

Personal information collected and how it is used:
VSP collects anonymous, non-personal information about users of this site
through temporary session cookies. Cookies are small, alphanumeric identifiers
that are transferred to a computer's hard drive through the user's Web browser,
which enables VSP's systems to recognize the browser and provide personalized
features. Session cookies expire when you close your browser.

VSP will collect data about the user's activities that do not personally or
directly identify the user when visiting our website. This information may
include the content the user views, the date and time that the user views this
content, the products the user purchases, or the user's location information
associated with the user's IP address. We do not collect personal identifying
information about a user, will not link to any protected health information, and
will not target ads to a user based on sensitive health data.

In addition, VSP uses technologies such as cookies and pixels to keep track of
your activities on our website and the websites of our third-party advertising
companies ("our Advertising Partners"), and may use those cookies to serve you
more relevant advertisements. We and our Advertising Partners' sites use session
cookies and persistent cookies to make it easier for you to navigate and enhance
the experience of our site, and to monitor and evaluate our website's operation
and use.

Any data used to serve targeted advertisements is de–identified and is not used
to personally or directly identify a user. We require third-parties, including
Publishers, to provide notice and obtain appropriate consent, where required by
applicable law.

How it is transferred to third-party companies:
VSP may work with Advertising Partners to help us recognize you and serve
relevant advertisements to you when you visit a website or online service in
their network. We may also work with Advertising Partners who help us recognize
you across different devices in order to show you relevant advertisements. Our
Advertising Partners may collect information about your activities on our
website, our Advertisers' websites, and other websites or online services in
their networks. We may also work with third-party companies to assist us with
website analytics such as evaluating the use and operation of our website so
that we can continue to enhance the website and our services.

How we use cookies and instructions on opting out of future campaigns:
We may use persistent cookies to keep track of your activities when you visit
our website, and to serve you relevant advertisements. Our Advertising Partners
may also place persistent cookies on your device when you visit our website or
our Advertisers' websites in order to help us recognize you and serve relevant
advertisements to you when you visit their website or online service or websites
in their networks. VSP only collects information that does not personally or
directly identify you via these cookies

Most browsers can be set to reject all cookies. The Help portion of the toolbar
on most browsers will tell a user how to prevent the browser from accepting new
cookies, provide notification if new cookies are received, or disable cookies
altogether.

Instructions on changing personal information (for users):
You may have the right to request access to and receive information about the
personal information we maintain about you, update and correct inaccuracies in
your personal information and have the information blocked or deleted, as
appropriate. The right to access personal information may be limited in some
circumstances by local law requirements. You also have the right to opt out,
free of charge, from the processing of your personal information for marketing
purposes. All requests for access, rectification, blocking and opting-out must
be made in writing, signed, dated and mailed to VSP, Attn: Member Services, 3333
Quality Drive, Rancho Cordova, CA, 95670.

12. THE CHILDREN'S ONLINE PRIVACY PROTECTION ACT

VSP's website does not direct content to Minors and do not intend to collect
personal information from Minors and therefore are not subject to the Children's
Online Privacy Protection Act. If the User allow his/her minor child, or a child
for whom User is a legal guardian (a "Minor"), to access and use the features,
User agree that he/she will be solely responsible for: (a) the online conduct of
such Minor; (b) monitoring such Minor's access to and use of the Service; and
(c) the consequences of any use.

13. RESPONSE TIME

VSP responds to emails, electronic messages, and other communications as soon as
reasonably practical. VSP's response time shall not exceed any maximum time
period that may be specified by law.

14. ACCESS AND INTERFERENCE

You agree that you will not use or attempt to use any feature within the Site
for any commercial purpose. You agree that you will not use any robot, spider or
other automatic device, process or means to access the Site. Nor shall you use
any manual process to monitor or copy our web pages or the content contained
thereon or for any other unauthorized purpose without our prior express written
permission. You agree that you will not use any device, software or routine that
interferes with the proper working of the Site nor shall you attempt to
interfere with the proper working of the Site. You agree that you will not take
any action that imposes an unreasonable or disproportionately large load on our
infrastructure. You agree that you will not copy, reproduce, alter, modify,
create derivative works, or publicly display any content (except for your own
personal, non-commercial use) from the Site without the prior express permission
of VSP.

15. UNAUTHORIZED USE OF THE SITE

Any illegal or unauthorized use of the Site shall constitute a violation of
these Terms of Use. You do not have permission to access the Site in any way
that violates these Terms of Use. Illegal or unauthorized use of the Site
includes, but is not limited to, unauthorized framing of or linking to the Site,
or unauthorized use of any robot, spider or other automated process on the Site.
It shall also be a violation of these Terms of Use: (a) for any individual (or
group of individuals acting in concert) to request, more than 100 pages of
content from Site in any twenty-four hour period (hereafter referred to as
"Abusive Use").

16. SUSPECTED VIOLATION OF THESE TERMS OF USE OR LAW; INJUNCTIVE, EQUITABLE
RELIEF, AND LIQUIDATED DAMAGES

Violation(s) of these Terms of Use, including Unauthorized Entry or Unauthorized
Use of the Site, may be investigated and appropriate legal action may be taken,
including, without limitation, civil, criminal and/or injunctive redress. You
understand and agree that in VSP's sole discretion, and without prior notice,
VSP may terminate your access to the Site, remove any unauthorized User Content
or exercise any other legal or equitable remedy available, if VSP believes that
your conduct or the conduct of any person with whom VSP believes you act in
concert, or the User Content you provide, violates or is inconsistent with these
Terms or the law, or violates the rights of VSP or another user of the Site. You
agree that monetary damages may not provide a sufficient remedy to VSP for
violations of these Terms and you consent to the application of injunctive or
other equitable relief for such violations.

You agree that Abusive Use of the Site, as defined above, causes damage and harm
to VSP in the form of, among other things, impaired goodwill and increased
expenses associated with responding to Abusive Use of the Site. You further
agree that monetary damages for Abusive Use of the Site are difficult to
ascertain and that proof of monetary damages for Abusive Use would be costly and
inconvenient to calculate. Accordingly, you agree that injunctive or other
equitable relief is warranted for Abusive Use. Therefore, you agree that if you,
or others act in concert with you, alone or collectively request more than 100
pages of content from the Site in any twenty-four hour period, you, and those
acting in concert with you, may be held jointly and severally liable for
reasonable attorney's fees, expert witness fees and costs associated with
injunctive or other equitable relief.

17. ADDITIONAL INFORMATION

This website is owned by Vision Service Plan (VSP). Additional information
regarding VSP may be requested by writing to VSP, Attn: Legal Division, 3333
Quality Drive, Rancho Cordova, CA, 95670.

If any changes are made to these Terms of Service, such changes will be promptly
reflected in the terms set forth online.

Revised May 2022

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PRIVACY POLICY

HIPAA PRIVACY POLICY

Notice of Privacy Practices
Effective July 2013

Overview
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND
DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT
CAREFULLY.

Purpose
The purpose of this notice is to:

 * provide you with notice of VSP's information protection practices, and
 * explain your rights as a VSP member.

VSP's Responsibilities
VSP is required to abide by the terms of this notice currently in effect by:

 * Maintaining the privacy of your Protected Health Information, and
 * Notifying you of any breaches of your unsecured Protected Health Information,
   and
 * Providing you with notice of our legal duties and privacy practices with
   respect to Protected Health Information.

Notice Revisions
VSP reserves the right to revise the terms of this notice, and to make the
revised terms effective for all Protected Health Information that it maintains.
If VSP revises this notice, we will make the revised notice available on our
website and include information about the changes in our next annual mailing.

DEFINITIONS

Business Associate
A person or entity that uses Protected Health Information to perform a service
for VSP. These services include, but are not limited to :

 * billing
 * claim processing
 * data entry

Health Care Operations
Activities related to VSP operations, including but not limited to:

 * quality assessment and improvement
 * doctor performance evaluations
 * fraud and abuse detection
 * claim payment
 * claim audits
 * customer issue resolution

Payment
VSP collection of insurance premiums or its determination and payment of claims.

Protected Health Information
Information relating to a VSP patient's past, present or future health or
condition, the provision of health care to a VSP patient, or payment for the
provision of health care to a VSP patient. Protected Health Information
includes, but is not limited to :

 * patient name
 * Social Security number/member ID
 * service date
 * diagnosis information
 * claim information

Treatment
The provision, coordination or management of vision care and related services by
one or more vision care providers.

PRIVACY PRACTICES

How VSP Uses and Discloses Information About You
VSP will only use and disclose your Protected Health Information without your
authorization when necessary for:

 * coordination of your vision care treatment
 * disclosure to your plan sponsor to the extent permitted by law
 * payment
 * health care operations, or
 * as required or permitted by law (please see “Use or Disclosure Required or
   Permitted by Law” section).

Disclosure to VSP’s Business Associates
VSP will only disclose your Protected Health Information to Business Associates
who have agreed in writing to maintain the privacy of Protected Health
Information as required by law.

Use or Disclosure Requiring Authorization
VSP will not use or disclose your Protected Health Information for purposes
other than those described in this notice. If it becomes necessary to disclose
any of your Protected Health Information for other reasons, VSP will request
your written authorization. VSP will obtain your authorization for any sale of
Protected Health Information, or to use or disclose your Protected Health
Information for marketing.

Revoking Authorization
If you provide written authorization, you may revoke it at any time in writing,
except to the extent that VSP has relied upon the authorization prior to its
being revoked.

Use or Disclosure Required or Permitted by Law
VSP may use or disclose your Protected Health Information to the extent that the
law requires the use or disclosure

 * Public Health : For public health activities or as required by the public
   health authority.
 * Health Oversight : To a health oversight agency for activities such as
   audits, investigations and inspections. Oversight agencies include, but are
   not limited to, government agencies that oversee the health care system,
   government benefit programs, other government regulatory programs and civil
   rights laws.
 * Legal Proceedings : In response to an order of a court or administrative
   tribunal, in response to a subpoena, discovery request or other lawful
   process.
 * Law Enforcement : For law enforcement purposes, including:
   * legal process or as otherwise required by law;
   * limited information requests for identification and location;
   * use or disclosure related to a victim of a crime;
   * suspicion that death has occurred as a result of criminal conduct;
   * if a crime occurs on VSP’s premises; or
   * in a medical emergency where it is likely that a crime has occurred.
 * Criminal Activity : As requested by law enforcement authorities, if the use
   or disclosure is necessary to prevent or lessen a serious and imminent threat
   to the health or safety of a person or the public.

Use and Disclosure Examples

 * Payment : VSP uses Protected Health Information for payment processing to
   verify that services provided were covered under the patient’s vision care
   plan.
 * Health Care Operations : VSP uses and discloses Protected Health Information
   to audit and review claims payment activity to ensure that claims were paid
   correctly.
 * Treatment : To coordinate treatment by a health care provider.
 * Personal Representative : VSP may disclose your Protected Health Information
   to a person who has legal authority to make health care decisions on your
   behalf.

Disclosure Requiring Opportunity to Object
VSP may disclose your Protected Health Information to a family member, friend,
or other person involved in your care or payment if the information is relevant
to their involvement and you have agreed or had an opportunity to object

Genetic Information
VSP is prohibited from using or disclosing your genetic information for
underwriting purposes.

KNOW YOUR RIGHTS

Exercising Your Rights
You may exercise any of your below rights by calling our Member Services
Department at 800.877.7195.

Review Your Protected Health Information
You have a right to inspect and obtain a copy of your Protected Health
Information.

Important : If you feel your Protected Health Information is incomplete or
incorrect, you have the right to request that it be amended.

Request to Restrict Your Protected Health Information
You can request restrictions on the use and disclosure of your Protected Health
Information. VSP is not required to agree to a requested restriction.

Example : If a restriction request prevents us from providing service to you or
from performing payment related functions, we will not be able to agree to the
request.

Confidential Communication
When necessary, VSP may seek to contact you by calling you at your home or by
sending mailings containing your Protected Health Information to your home. If
you feel that such communications could compromise your safety, you may request
in writing an alternate communication method and/or location.

Important : VSP may require that a request contain a statement that disclosure
of all or part of the information to which the request pertains could endanger
the individual, and VSP may, if and to the extent that applicable law allows,
request payment for this service.

Examples : The patient may decide, for his or her safety, to have correspondence
containing his or her Protected Health Information sent somewhere other than to
his or her home, or to have the information sent via fax rather than mailed.

Accounting of Disclosures
If a disclosure of your Protected Health Information was made for a reason other
than treatment, payment or health care operations, you have a right to receive
an accounting of the disclosure.

Important : If the disclosure was made to you, VSP will not provide an
accounting.

Receive a Copy
You can view and print a copy of this Notice of Privacy Practices through
vsp.com. You may also request a copy from your Benefit Administrator, or you may
request a paper copy from VSP .

Complaints
If you believe that your privacy rights have been violated, you may submit a
complaint to VSP or to the U.S. Secretary of Health and Human Services at any
time. VSP will not retaliate against you for filing a complaint. You may file a
complaint with VSP through vsp.com, or by calling our Member Services Department
at 800.785.0699.

CONTACT INFORMATION

Contact VSP
For questions about this notice or your privacy, contact our HIPAA Privacy
Officer through vsp.com, or call our Member Services Department at 800.785.0699.

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