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Vision benefits you can see clearly

We’ve partnered with VSP® Vision Care to extend vision coverage beyond the basics, giving groups and members the coverage they need.

Get Beam Benefits
circle down arrowHappy young woman looking into glasses

What to expect

Exams and lenses covered every 12 months

Frames covered every 12 or 24 months

Access to a broad network of vision providers across the country (121,000+ access points∮), searchable with the VSP® Find a Provider tool

Plan options to meet the specific needs of groups both large and small

Plan features

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Annual eye exams
Lenses at no cost to members
Low materials copay
Access to top vision providers
Additional savings and services

Standard plan options

Beam offers multiple plans to meet your group’s needs.
Standard plan options
VSP® Choice
Plan 1
VSP® Choice
Plan 2
VSP® Choice
Plan 3
VSP® Choice
Plan 4
VSP® Choice
Plan 5
VSP® Choice
Plan 6
Annual exam
($10 copay)
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Lenses or contacts every 12 months
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Frames
24 mos.
12 mos.
12 mos.
12 mos.
24 mos.
12 mos.
Materials copay
$25
$10
$10
$10
$25
$25
In-network annual allowances
$150
$150
$200
$175
$130
$130
Includes anti-reflective and scratch-resistant coating
-
-
-
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-
-

Coverage for real life

These examples illustrate how members have benefitted from Beam’s vision plans.
Annual eye exam
Buying new frames

Member

Annual eye exam

Chris is visiting an in-network optometrist for an eye exam, which costs $100. Because Chris has a Beam vision plan with a copay of just $10, that’s all Chris will owe at the time of their visit. Chris’ Beam plan will pay the remaining $90.

Responsibility
Cost
Eye exam cost
-
$100
In-network copay and Chris’ total out-of-pocket cost
Chris pays
$10
Beam covers remaining cost
Plan pays
$90

Member

Buying new frames

Alex just found the cat-eye glasses of their dreams, and they cost $210. Alex’s Beam vision plan covers $200 for frames from an in-network provider with an additional 20% off the remaining balance in excess of $200. Plus, Alex’s plan comes with lenses covered every 12 months. With lenses covered in full, all they owe for their new glasses is $8.

With Beam vision coverage, here’s what that means for Alex:

Responsibility
Cost
Lenses
Covered by Beam plan
Frames
-
$210
Beam covers in-network frames allowance
Plan pays:
$200
Remaining balance
-
$10
20% off remaining balance after in-network allowance is applied
Plan pays:
$2
Alex’s total out-of-pocket cost
–
$8

A bigger portfolio. Better benefits.

Explore our full portfolio of ancillary benefits and bundle‡ coverage to fit your team.
tooth
Dental
Vision
life
Life
Disability
Supplemental health
Contact Beam

Start a conversation with Beam

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**

Dental and vision insurance products underwritten by National Guardian Life Insurance Company (NGL), Madison, WI, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA). Group dental policy form number NDNGRP 2020 and group vision policy form number NVIGRP 2020. Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, OH in NY, DE, ID, LA, UT, OH, TX, NM, NH, NC (dental only) and NV (vision only). Dental coverage applicable to policy form GDTL AO L20, or state equivalent and vision policy form GVIS AO L20, or state equivalent. Dental and vision products administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Vision insurance products administered by Vision Service Plan Insurance Company.  Life insurance product is underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Life and AD&D coverage applicable to policy form GLIF AO L20, or state equivalent.  Life product is not available to members living in Puerto Rico and product availability may vary by state. Program restrictions and exclusions apply. Accident, Hospital only Indemnity, and Critical Illness insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Accident coverage applicable to policy form GCAS AO L20, or state equivalent, Hospital policy form GHOI AO L20, or state equivalent and Critical Illness policy form GCI AO L20, or state equivalent. Products not available in all states.

‍

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

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National Guardian Life Insurance Company, Madison, WI, is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life.

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Nationwide and Beam Insurance Services LLC are separate and non-affiliated companies.

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National Guardian Life Insurance Company, Two East Gilman, Madison, Wisconsin 53703

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Nationwide Life Insurance Company, One Nationwide Plaza, Columbus, OH 43215

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Vision Service Plan Insurance Company, 3333 Quality Drive Rancho Cordova, CA 95670

‍

Short-term disability and long-term disability insurance products are underwritten by Hartford Life and Accident Insurance Company and marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA).

‡

There is no discount associated with the bundling of products.

∮

Access points and providers based on data provided by VSP for the VSP Choice Network as of February 2024.

1

20% discount is an additional benefit offered by VSP and not included in the insurance benefit plan.

Login to your account for full access

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Access and manage plan info, quote history, enrollment, billing, and commission statements.
Employer login
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Manage your group’s enrollment, member IDs, billing, and renewal status.
Member login
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Find your Member ID and view your plan information.
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Provider login
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Access eligibility info, check claim status, and see claim history.
Create a provider account
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Email adminsupport@beambenefits.com to register for an account.
Contact Beam

Start a conversation with Beam.

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To access your digital insurance card:
  • Log in to your Beam account
  • Click “Plan info”
  • Select your option on the right to print or view your card. You can also request a physical card.
Please use the provider portal for 24/7 access to patient eligibility information. You can also call us at 800-648-1179 and select “1" to use our virtual agent fax back option.
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Want to talk over the phone?
Give us a call at 1-800-648-1179.