By enrolling in VSP’s Individual Vision Care Policy, you indicate you have read the following terms and conditions of the plan.

Terms & Conditions

THIS POLICY PROVIDES VISION BENEFITS ONLY.

Careington International Corp. (“Careington”) provides customer service, billing services, and fulfillment services for this VSP product offering.

Content on this page provides a brief description of the important features of your policy. It is not all-inclusive. Please refer to your policy for the actual terms and conditions that apply. In the event there are discrepancies with the information on this page, the terms and conditions of the policy will govern.

Monthly Installment Option: If you selected the monthly installment payment option for the benefit term, you agreed to pay the required premiums for the full policy term:

Monthly payment installments are billed one month in advance. If you choose the same month effective date, your first payment will cover two installment periods, the current month and the next month, simultaneously. Your next payment will be withdrawn the following month on or around the reoccurring auto-payment date you select.

Renewal: This Policy is renewable at the option of the Policyholder and will automatically renew so long as premiums are paid in a timely manner, the Policyholder has not performed an act or practice that constitutes fraud and VSP continues to offer this plan. VSP will not cancel coverage under the Policy because of a Covered Person’s health status requirements for vision care services. We will mail a renewal letter to you on or around sixty (60) days prior to your auto-renewal. Non-receipt of the renewal letter does not constitute cancellation of this policy. To make changes to your current plan, call Member Services at 800.785.0699 prior to your policy renewal date. If payment is not received for any reason, VSP may cancel your plan after thirty (30) days from when your premium was due.

Right to Return the Policy: You are permitted to return the Policy within thirty (30) days of its delivery to you and have the premium paid refunded, less the processing fee, if after examination of the Policy you are not satisfied with it for any reason. If you return the Policy to VSP at its home office it shall be void from the beginning. This means that you will be responsible for payment in full of any services received or materials purchased from the Policy effective date to the date the Policy is voided. You must submit a written cancellation request to VSP Member Services at: application@vspdirectpayment.com

Other Insurance Coverage: VSP cannot coordinate plan benefits payable under this Policy with any other private or government insurance plan, including any other plan underwritten by VSP.

Grace Period: Unless, not less than thirty (30) days prior to the premium due date VSP has delivered to the Policyholder, or has mailed to the Policyholder’s last address as shown by VSP’s records, written notice of its intention not to renew this Policy beyond the period for which the premium has been accepted, a grace period of thirty-one (31) days will be granted for the payment of each premium falling due after the first premium.

Limitations, Exclusions & Exceptions:

Some brands of spectacle frames and lenses may be unavailable for purchase as Plan Benefits, or may be subject to additional limitations. Covered Persons may obtain details regarding frame brand availability from their VSP Preferred Provider or by calling VSP’s Customer Care Division at 800-877-7195.Copayments and other out-of-pocket expenses apply to the eye examination and/or to the purchase of most materials. Services or materials of a cosmetic nature are not covered under this policy. Medical services and supplies are not covered under this policy. Each person covered under this policy will have higher out of pocket expenses if they use a doctor who is not part of VSP’s provider network.