Vision

We offer two vision plan choices through Vision Service Plan (VSP)—the Vision Plan and the Vision Choice Plan. Under both options, basic annual visit exams are covered.

The Vision Plan is perfect for someone with lower cost vision needs. Have a taste for expensive frames or wear progressive lenses? The Vision Choice Plan may be for you.

What exactly is the “choice” part of the Vision Choice Plan?

  • Each member covered under the benefit gets to choose how to use the greater benefit amount.
  • Want to have a greater allowance for your frames from $150 to $250? Done.
  • Want to use the greater allowance for progressive lenses? No problem.
  • Prefer contacts? A greater allowance from $130 to $225 can be your choice too!
  • Everyone in your family wants to use it differently? Learn how to create your own Vision Plan.

Be sure to check the provider directory before seeking care to confirm which providers participate in the VSP network. (Note: Make sure to select the VSP Signature Plan network).

To learn more about your VSP coverage, visit jhancock.vspforme.com.

  • Your 2019 Vision Options
    Highlights of Your Vision Plan Options
    Vision Plan
    Vision Choice Plan
    In-Network
    Out-of-Network
    In-Network
    Out-of-Network
    Exams and Lenses
    Covered annually
    Covered annually
    Frames
    Covered every other year
    Covered annually
    Exam Coverage
    100% after a $10 copay
    100% after a $10 copay, to a maximum allowance of $52
    100% after a $10 copay
    100% after a $10 copay, to a maximum allowance of $52
    Prescription Lenses
    100% after a $10 copay
    100% after a $25 copay, to a maximum allowance of $55 to $125 depending on the type of lens
    100% after a $10 copay
    100% after a $10 copay, to a maximum allowance of $55 to $125 depending on the type of lens
    Frame Allowance
    100% after a $25 copay, to a maximum retail allowance of $150
    100% after a $25 copay, to a maximum retail allowance of $70
    100% after a $10 copay, to a maximum retail allowance of $150 OR $250
    100% after a $10 copay, to a maximum retail allowance of $70
    Contact Allowance
    100% after a $25 copay for visually necessary lenses; $130 allowance limit (no copay) applies to elective lenses
    100% after a $25 copay to a maximum allowance of $210 for visually necessary lenses; or $105 for elective lenses
    100% after a $10 copay for visually necessary lenses; $225 allowance limit (no copay) applies to elective lenses
    100% after a $10 copay to a maximum allowance of $210 for visually necessary lenses; or $105 for elective lenses
    Progressive Lenses
    Covered up to $50 and $160 depending on the lenses. Materials copay of $25 applies
    100% after a $25 copay; $95 allowance
    Covered in full after $10 copay if not using $250 frame allowance
    100% after a $10 copay; $95 allowance

    Note: Review the Summary Plan Description on the John Hancock Benefits Center for coverage details.

  • ID cards

    The vision program through VSP does not issue ID cards. Your provider will verify your membership with VSP in the event that you need vision care. For more details on plan coverage, visit jhancock.vspforme.com.

John Hancock and Manulife Financial reserve the right to modify or amend, at any time and in any way whatsoever, the terms of these plans, including eligibility requirements, and to terminate the plans completely.