How to file a claim

Claims for vision care should be filed with the claims administrator
control room

COVID-19 Extension for Filing Claims and Appeals

Due to the COVID-19 Pandemic and Declaration of National Emergency, the US Departments of Labor (DOL) and Treasury/IRS have provided revised guidance that extends deadlines related to filing claims and appeals under ERISA plans. The guidance states that every affected individual gets an extension to take actions based on when their claims event occurred. This extension applies to the following deadlines discussed in this claims section:
  • Filing a claim;
  • Appealing a claim denial;
  • Requesting an external review; and
  • Filing information needed to complete/perfect an external review request.
The extension pauses the deadline to take the above actions until the “Outbreak Period” for that individual is over. For each claims event, the Outbreak Period ends on the earlier of:
  • One year after the period starts for that event; or
  • 60 days after the Declaration of National Emergency ends. (The Declaration was recently extended and is still ongoing.)
Essentially, the claims and appeals deadlines for the actions listed above are extended (delayed) until the earlier of one year after the Outbreak Period starts for that event, or 60 days after the emergency declaration ends. The normal deadlines then apply. Here is an example:

Assume the National Emergency does not end until November 30, 2022. Kendrick submits a claim on August 1, 2021. The claim is denied on August 5, 2021. Under the plan, Kendrick would normally have 180 days to appeal the claim. However, Kendrick’s Outbreak Period for his appeal does not start until he receives his claims denial. Kendrick’s Outbreak Period will end on August 4, 2022. He will have 180 days after that to submit his appeal.

The rules for these extensions are complex and subject to change. Please contact the bp Benefits Center for assistance. However, since the end of the extension period is currently unknown, please do not delay submitting your claim or appeal in a timely manner.

Deadline for filing claims

To receive benefits under the BP Vision Plan, you must submit all claims to VSP within six months of the date of service. Any claims that the claims administrator receives more than six months after the date of service will not be paid.

Network providers

If you are enrolled in the BP Vision Plan, you do not need to file a claim if you go to a network provider for a covered expense. He/she will submit your vision expense claim directly to VSP.

Out-of-network providers

If you go to an out-of-network provider, you will have to pay the provider for eye-care services and supplies at the time you receive them, and then submit an original itemized bill to VSP. No claims forms are necessary. Simply submit required information to VSP for reimbursement. However, for faster reimbursement, you can visit www.vsp.com to input your claim information and print a claim form to submit to VSP. When filing a claim for reimbursement, you must submit the following information on or with the original bill:

  • Your name, address and telephone number.
  • Your birth date.
  • The last four digits of your Social Security number.
  • The patient’s name.
  • The patient’s birth date.
  • The patient’s relationship to you.
  • An itemized list of the services received.
  • The name, address and telephone number of the provider. 

Submit vision expense bills incurred with out-of-network providers to:

VSP
P.O. Box 385018
Birmingham, AL 35238-5018

If you have any questions about how to file a vision expense claim, call VSP at:

  • Within the U.S.: 1-800-877-7195.
  • Outside the U.S.: 916-635-7373.

Health Savings Account (HSA) Debit Card

Your share of the cost for eligible vision expenses you incur may be paid to the provider through your PayFlex Card® (your HSA debit card), if you contribute to the HSA and have an available balance in your account. Note: You cannot use the HSA debit card outside the U.S.

What else you should know about the BP Vision Plan

VSP — the insurer and claims administrator of the BP Vision Plan — is a business entity independent of bp. VSP is solely responsible for making determinations regarding benefits based on the provisions of the Vision Plan. Neither bp nor the plan administrator will interfere in the decisions made by VSP regarding benefits. Therefore, if you do not agree with VSP’s determination regarding benefits, you must pursue the matter through the claims and appeals process.

 

Publication date: April 2019

 

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