How does insurance work at Lumos?

Know Easy

Lumos Optical is an out-of-network provider with all insurance companies. However, you can submit our receipt to your vision insurance as an out-of-network benefit claim. Once complete, you'll receive reimbursement according to the terms of your plan. We’re here to help you understand this process so that you can do it in a snap! 

Do you take VSP insurance? 

We are not in-network with VSP. However, it's super simple to apply for reimbursement on prescription eyeglasses and sunglasses after purchasing! 

There are two ways to submit for reimbursement for VSP:

1. Online: Login to your account at vsp.com to find the Submit a Claim form. VSP advises to include a picture of your receipt. We send a digital copy to your email at purchase.

Scan the QR code below with any mobile friendly device for direct access. 

VSP claim instructions


2. Snail Mail: You may also print and submit a completed claim form along with our receipt to the address below with stamped and addressed envelope. Printed receipt available upon request. 

Vision Insurance Plan
Attn: Claims Department
P.O. Box 385018
Birmingham, AL 35238-5018


3. Now the easiest part: Allow 3-4 weeks (additional time may apply for mailing) for reimbursement. 


What is covered by out-of-network benefits?

Prescription eyeglasses and sunglasses are eligible. Reimbursement rates vary for the frame, lens material, and lens coating. See your individual plan for details.

When should I submit your receipt to be eligible for reimbursement?

Every plan is different, so check with your insurance provider directly. But often, a receipt has up to 12 months from the date of service to be submitted to your vision insurance.

What if my insurance provider wants the receipt in a different format?

Contact us! Because we offer package pricing, our receipts may be formatted differently than your provider is used to. Send us a text or email to let us know, and we will be happy to make a customized receipt for you.

Are glasses FSA and HSA eligible?

Most definitely! If they have prescription lenses, you can use either your FSA or HSA to pay for your eyeglasses and sunglasses. We might be a little biased, but we think eyewear is great way to use your FSA or HSA! (Some plans even cover non-prescription sunglasses. Contact your provider for more information.) 

So how do I buy glasses with my FSA/HSA funds at Lumos?

It’s easy! If you have an FSA or HSA card, simply use it when purchasing with us and we’ll provide you with an itemized receipt via email so that you can submit accordingly.

No physical FSA/HSA card on hand? Use a different credit card like normal and get reimbursed from your FSA/HSA provider. Most will require you to submit a reimbursement form along with a receipt. We’ll include a receipt with your order!

Do you accept Medicaid/Medicare?

We are not Medicaid/Medicare providers. However, our pricing model makes it possible to afford glasses that other shops price extremely high. Our entire inventory is included in our everyday package pricing, unlike other optical stores that limit your options to just a few frames.

We also carry discounted frames in our back inventory and have other financing options available.