Unum Vision Insurance: Clear Coverage for Eye Care and Beyond

Introduction

Routine eye care is essential for productivity and well‑being, yet vision benefits often get overlooked. Unum Vision Insurance provides a robust voluntary plan that covers preventive exams, eyewear, and enhancements—at group rates and with minimal administration. By adding Unum’s vision solution, employers can help teams maintain healthy vision, catch early signs of broader health issues, and reduce out‑of‑pocket costs.

1. Key Features of Unum Vision Insurance

2. Plan Tiers & Customization

Employers can choose from multiple tiers to balance premium costs and benefit richness:

• Basic Plan
  – $120 frame/contact allowance; standard lens options; exam copay $15.
• Enhanced Plan
  – $200 allowance; premium progressive lenses at reduced cost; exam copay $10; contact‑lens option.
• Premier Plan
  – $250 allowance; zero‑copay exams; deeper lens‑upgrade discounts; LASIK savings included.

Optional riders (e.g., sunglasses allowance) can further tailor coverage to workforce needs.

3. Nationwide Provider Network

• Vast In‑Network Panel
  Over 90,000 vision providers—including retail chains (LensCrafters, Pearle Vision), independents, and tele‑optometry options.
• Out‑of‑Network Reimbursement
  Employees pay upfront and submit receipts; Unum reimburses based on UCR allowances.
• Online & Mobile Tools
  Provider locator, benefit estimates, and claim submissions available via the Unum benefits portal and mobile app.

4. Enrollment & Claims

• Voluntary Election
  Employees opt in during open enrollment; guaranteed‑issue with no medical underwriting.
• Seamless Payroll Deduction
  Premiums deducted automatically; no direct billing hassles.
• Easy Claims Process
  • In‑Network: Providers file claims electronically—employees pay only copays or balance.
  • Out‑of‑Network: Snap a photo of the itemized receipt in the Unum app; receive reimbursement in 5–7 business days.

5. Unum Vision vs. Key Competitors

Unum stands out for its tiered allowances, exam copays, and integrated LASIK savings.

Conclusion

Unum Vision Insurance fills a critical gap in employee benefits—providing affordable, preventive, and corrective eye care that enhances wellness and productivity. With flexible plan designs, an expansive provider network, and user‑friendly digital tools, Unum makes vision benefits simple to offer and even easier for employees to use. Enhance your total rewards strategy with Unum Vision and keep your workforce seeing clearly—today and tomorrow.