How does insurance work at Lumos?

Lumos Optical is an out-of-network provider with all vision insurance companies. However, you simply submit the receipt to your vision insurance company for out-of-network benefits to receive reimbursement according to the terms of your plan. Most importantly, we’re here to help you understand this process so that you can do it in a snap! 

Do you take VSP insurance? 

We're not in-network with VSP. However, it is super simple to apply for reimbursement on prescription eyeglasses and sunglasses after purchasing! We will help you every step of the way.  

There are two ways to submit for reimbursement:

1. Submit online at to complete a claim form. VSP advises you to include a picture of your receipt (the digital copy is sent to your email address).

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

VSP claim instructions


2. Submit a completed claim form with our included printed itemized receipt with stamped and addressed envelope. Available upon request. 

Vision Insurance Plan

Attn: Claims Department

P.O. Box 385018

Birmingham, AL 35238-5018

Now the easiest part: Allow up to 10 business days (additional time may apply for mailing) for reimbursement. 

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. In fact, vision 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 to purchase with us and we’ll provide you with an itemized receipt via email so that you can submit accordingly. No FSA/HSA card? Just use your 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 you would otherwise be paying more out-of-pocket with these plans or other optical stores that limit your options.