What is the difference between an in-network provider and out-of-network provider?
Your vision benefits are offered through a PPO (Preferred Provider Organization) plan. We have “in-network” providers (those for whom we have a PPO contract) and “out-of-network” providers (no PPO contract). This means that you can obtain products or services through any provider you choose, though you’ll generally pay less with our in-network providers. When visiting an in-network provider, you are responsible for paying any applicable co-pay and for items that are not covered, or that exceed your benefit limitations. When visiting out-of-network providers, you pay for all services in full, and then file a claim with Superior Vision for reimbursement according to your out-of-network benefits schedule.
