for UBA Members

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Get Insured for Vision

Gap Vision Plan

Member Driven Value.

Plan Costs:

$14 per month - Individuals
$27 per month - Individual + 1
$43 per month - Family 

Gap Vision

Summary of Plan

Why Gap Vision Plan

See More Clearly...

Glasses - Vision Statistics

Did You Know

Approximately 14 million Americans aged 12 years and older have self-reported visual impairment defined as distance visual acuity of 20/50 or worse. Among them, more than 11 million Americans could have improved their vision to 20/40 or better with refractive correction.1

Only half of the estimated 61 million adults in the United States classified as being at high risk for serious vision loss, visited an eye doctor in the past 12 months.1

Stats taken from: 1
Group Vision In-Network Coverage

Group Vision Insurance In-Network Coverage

   Well Vision Exam
    (Focuses on your eyes & overall wellness)
$10 Copay
Every 12 months
   Prescription Glasses $25 Copay (Every 12 months)
(See Frames & Lenses below)

Frames and Lenses


$130 allowance
For a wide selection of frames. 20% savings on the amount over your allowance.

Single vision, lined bifocal, lined trifocal & lenticular lenses. Polycarbonate lenses for dependent children only.


Progressive Lenses:

  • Standard: $55
  • Premium: $95-$105
  • Custom: $150-$175

Every 12 months
(Average Savings of 20-25% other lens enhancements)
(Instead of Glasses)*

  • COPAY UP TO $60
    applies to contact evaluation and fitting - every 12 months.

  • $130 allowance for contacts; copay does not apply.

  • Contact lenses exam (evaluation and fitting) - Medically Necessary covered in full after $25 copay.


*When Contact Lenses are obtained, the Covered Person shall not be eligible for lenses and frames again in the next 12 months.

The information is a limited description of the plan highlights. For more details, limitations, exclusions, and defintions, please refer to the Certificate.
Group Vision Out-of-Network Coverage

Group Vision Insurance Out-of-Network Coverage

   Exam Up to $45
   Frames Up to $70

*Coverage with a retail chain affiliate may be different.


Single Vision Lenses - Up to $30
Up to $30

Lined Bifocal Lenses - Up to $50
Up to $50

Lined Trifocal Lenses - Up to $65
Up to $65


Progressive Lenses - Up to $50
Up to $50

Lenticular Lenses - Up to $100
Up to $100

Contacts - Up to $105
Up to $105


3Contact Lenses - (necessary $210)
^Visit for details if you plan to see a provider other than a VSP Doctor.
Extra Savings

Extra Vision Savings

Glasses and Sunglasses


Contacts - Up to $105


6 20% savings on additional glasses / sunglasses, including lens enhancements, from any VSP doctor within 12 months of your WellVision Exam.
7 5% Savings on a contact lens exam (fitting and evaluation)
8 Average 15% off the regular price or 5% off the promotional price, discounts only available from contracted facilities
VSP Vision Network

VSP National Network

With over 78 million members and more than 33,000 doctors, VSP boasts the largest national network of independent doctors.5 Eye care professionals partner with VSP to deliver the best patient experience. You'll be thrilled by the large selection of eyewear available to you, from classic styles to trendy frames, and you'll find hundreds of options to choose from. Frames include dozens of top brand names, so you can find one that fits your personality.

The best eye doctors provide the best care. VSP carefully chooses eye doctors based on their professional licensing, work history, education, professional liability and ethics. Vision members will receive quality care with an eye exam form a VSP doctor.


VSP optometrists are Therapeutic Pharmaceutical Agent (TPA) certified and ophthalmologists are American Board of Opthalmology (ABO) certified.

The VSP credentialing process complies with the National Committee for Quality Assurance (NCQA) standards.

  • Accept New Patients
  • Provide a WellVision Exam
  • Offer a Wide Selection of Contact Lenses & Frames

Click the Link Below to View VSP Provider Network
Find a VSP Network Provider by clicking here

5 VSP Internal Data.
State Availability

Gap Vision Plan is Available in the Following States:


Coverage is available to paid Members of the United Business Association after the effective date listed in your welcome letter following the receipt of the Membership Application and the payment of the first month's dues by the United Business Association.

Insurance benefits are underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Health Insurance Company of New York, New York, NY. Both companies ("Renaissance") can be reached at PO Box 1596, Indianapolis, IN 46206. This information is a brief description of the important features of this insurance plan. It is not an insurance contract. For more details, limitations, exclusions and definitions, please refer to the Certificate.

The following monthly insurance rates apply to coverage underwritten by Renaissance. Your overall total association membership dues include these insurance rates - Ind: $13.13; Ind+1: $26.25; Family: $42.26.
View Gap Vision Sample Member Guide

Click on Link below to View Gap Vision Plan Sample Member Guide

Click here to view Gap Vision Plan Sample Member Guide

Group Insurance Certificates

Gap Vision Plan Group Insurance Certificates

Certificates will be placed here soon. Please check back soon to view Gap Vision Certificates.

Claim Information

For Claims Assistance, Contact:

United Business Association Claims Unit
Renaissance Life & Health Insurance Company of America
PO Box 17250, Indianapolis, IN 46217
Eligibility & Benefit Info: 888.358.9484

Benefit payment is subject to the vision plan provisions, limitations, exclusions and other provisions within the Certificate. For more information and complete details of terms, conditions, limitations, and exclusions of coverage, please refer to the Certificate. Coverage may vary and may not be available in all states. Renaissance Life & Health Insurance Company of America and Renaissance Health Insurance Company of New York, New York, NY do not provide nor is affiliated with the discount programs provided as part of membership in the United Business Association.

To receive Covered Services from an In-Network Provider, Covered Person should select an In-Network Provider, schedule and appointment and inform the Provider's office that you are a Covered Person under this vision plan. The In-Network Provider will then obtain a Benefit Authorization prior to the time services are rendered or materials ordered. Services must be obtained before the expiration date of Benefit Authorization. If a Covered Person receives Covered Services from an In-Network Provider WITHOUT a Benefit Authorization, any services or materials received from In-Network Provider will be treated as if they were obtained from an Out-of-Network Provider. If a Covered Person is eligible for and obtains Benefits from an Out-of-Network Provider, Covered Person remains liable for the Out-of-Network Provider's full fee. Covered Persons or Out-of-Network Providers may submit requests for reimbursement. Claims will be paid to Covered Persons or directly to Out-of-Network Providers when claims include a valid Assignment of Benefits. Claims may be denied if received 180 calendar days from the date services are rendered and/or materials provided.

Exclusions and Limitations

For Group Vision Insurance Coverage

      1. Patient Options
      This plan is designed to cover visual needs rather than cosmetic materials. When the Covered Person selects any of the following extras, the Plan will pay the basic cost of the allowed lenses or frames, and the Covered Person will pay the additional costs for the options.
      • Optional Cosmetic Processes
      • Anti-Reflective Coating
      • Color Coating
      • Mirror Coating
      • Scratch Coating
      • Blended Lenses
      • Cosmetic Lenses
      • Laminated Lenses
      • Oversize Lenses
      • Polycarbonate Lenses
      • Photochromic Lenses, Tinted Lenses except Pink #1 and Pink #2
      • Progressive Multifocal Lenses
      • UV (ultraviolet) Protected Lenses
      • Certain Limitations on Low Vision Care

      2. Not Covered:
      There are no Benefits for professional services or materials connected with
      • Orthoptics or Vision Training and any association Supplemental Testing
      • Plano Lenses (less than a_.50 diopter power)
      • Two Pair of Glasses in Lieu of Bifocals
      • Replacement of Lenses and Frames furnished under this Plan that are lost or broken, except at the normal intervals when services are otherwise available
      • Medical or Surgical Treatment of the Eyes
      • Corrective Vision Treatment of an Experimental Nature
      • Costs for Services and / or Materials above states allowances
      • Services and / or Materials not indicated in the Certificate as covered plan benefits.
      • Contact Lens Modification, Polishing or Cleaning
      • Local, State and / or Federal Taxes, except where Renaissance or VSP are required by law to pay
      • Replacement of lost or damaged contact lenses, except at the normal intervals when services are otherwise available

      3. Some brands of spectacle frames may be unavailable for purchase as Benefits, or may be subject to additional limitations. Covered Persons may obtain details regarding frame brand availability from their In-Network Provider or by calling the Vision Member Services Department at 1.800.877.7195.

      4. Exclusions and Limitations of benefits described for In-Network Providers shall also apply to services rendered by Affiliate Providers. Services from an Affiliate Provider are in lieu of services from In-Network Provider or an Out-of-Network Provider. VSP is unable to require Affiliate Providers to adhere to its quality standards. Where Affiliate Providers are located in membership retail environments. Covered Persons may be required to purchase a membership in such entities as a condition of obtaining Benefits.

The above is a summary of exclusions and limitations. For complete details, please refer to your Certificate. Not all coverage provided under the Certificate is set forth above. The Certificate term is one year. Coverage may be terminated for reasons stated in the Certificate. Coverage ceases upon termination of the Certificate.

Professional Services for severe visual problems not correctable with regular lenses, including:
    Supplemental Testing: Up to $125^
    Includes Evaluation, Diagnosis & Prescription of Vision Aids where indicated.
    Supplemental Aids:
    75% of Affiliate Provider's Fee up to $1,000.^

^ Maximum Benefit for all Low Vision services and materials is $1,000.00 every two (2) years and a maximum of two supplemental test within a two-year period.

Low Vision Services are a Covered Service when specific benefit criteria are satisfied and when prescribed by Covered Person's Provider.
Terms & Disclosures


If insurance is included in any Gap Plan, it is not basic health insurance or major medical coverage and does not qualify as minimum essential coverage under the Affordable Care Act. You must be a member of the United Business Association (UBA) to access and enroll in any Gap Plan that provides an insured benefit. Various insurance companies, as described, have issued group limited benefit insurance policies to the United Business Association as the group master policyholder. You must purchase UBA Membership in order to purchase this additional plan.

UBA Refund / Cancellation Policy

If you are not completely satisfied with your UBA Gap Plan, please call your Personal Member Concierge at 866.438.4274. We will be happy to issue a complete refund of membership dues within the first thirty (30) days. We want you to be 100% satisfied with your UBA Gap benefits and services.

Note: This membership is separate from any other insurance or supplemental plan you have purchased. Please contact your agent for any plans other than the UBA Gap Membership Plan. If you are canceling, please make sure to cancel using our cancellation phone number at 866.438.4274 or our cancellation form located at Please do not cancel through your agent. Cancel directly with UBA to make sure your cancellation request is handled promptly and correctly.

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Well Vision Exam - Gap Vision Plan
Frames and Lenses - Gap Vision Plan
Contact - Gap Vision Plan
Gap Vision Plan