Help protect the eyesight and health of every member of your family, with lower out-of-pocket expenses for you.




• Services and/or materials not specifically included in the Summary of Benefits as covered Plan Benefits.

• Any portion of a charge in excess of the Maximum Benefit Allowance or reimbursement indicated in the Summary of Benefits.

• Plano lenses (lenses with refractive correction of less than ± .50 diopter)

• Two pairs of glasses instead of bifocals.

• Replacement of lenses, frames and/or contact lenses furnished under this Plan which are lost, stolen or damaged, except at the normal intervals when Plan Benefits are otherwise available.

• Orthoptics or vision training and any associated supplemental testing.

• Medical or surgical treatment of the eyes.

• Prescription and non-prescription medications.

• Contact lens insurance policies or service agreements.

• Refitting of contact lenses after the initial (90-day) fitting period.

• Contact lens modification, polishing or cleaning.

• Local, state and/or federal taxes, except where MetLife is required by law to pay.

• Any eye examination or any corrective eyewear required as a condition of employment.

• Services and supplies received by You or Your Dependent before the Vision Insurance starts for that person.

• Missed appointments.

• Services or materials resulting from or in the course of a Covered Person's regular occupation for pay or profit for which the Covered Person is entitled to benefits under any Workers'
Compensation Law, Employer's Liability Law or similar law. You must promptly claim and notify the Company of all such benefits.

• Services: (a) for which the employer of the person receiving such services is not required to pay; or (b) received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital.

• Services, to the extent such services, or benefits for such services, are available under a Government Plan. This exclusion will apply whether or not the person receiving the services is enrolled for the Government Plan. We will not exclude payment of benefits for such services if the Government Plan requires that Vision Insurance under the group policy be paid first. Government Plan means any plan, program, or coverage which is established under the laws or regulations of any government. The term does not include any plan, program or coverage provided by a government as an employer or Medicare.

• Services or materials received as a result of disease, defect, or injury due to war or an act of war (declared or undeclared), taking part in a riot or insurrection, or committing or attempting to commit a felony.

• Services and materials obtained while outside the United States, except for emergency vision care.

• Services, procedures, or materials for which a charge would not have been made in the absence of insurance.

(1) Member costs for listed lens enhancements will be limited to copays that MetLife has negotiated with participating providers. These copays can be viewed by members after enrollment at www.metlife.com/mybenefits. All lens enhancements are available at participating private practices. Maximum copays and pricing are subject to change without notice. Please check with your provider for details and copays applicable to your lens choice. Please contact your local Costco to confirm the availability of lens enhancements and pricing prior to receiving services. Additional discounts may not be available in certain states.