Yes, absolutely! LensCrafters accepts many insurance plans online as well as in store. However, some plans are only accepted in store. And there are a handful of out-of-network accepted insurance plans, like Vision Service Plan (VSP). Vision insurance covers most of the costs for eyeglass frames, lenses, special lens coatings, contact lenses ...OVHcloud VPS for Minecraft. A scalable, secure hosting solution for one of the world’s most popular online games, ideal for both gamers and hosting professionals. Find out more. Effortlessly launch and manage your own ideal multisite setup in the cloud, for the best possible price. Find out more.EyeMed Cares - Maui Wildfires Update. Think you don’t need vision benefits? Think again. If you need vision correction, benefits help you get eye exams, save money and buy your favorite eyewear. If you see just fine, they still help protect your health.Using an Individual Vision Plan is easy. First, pick the plan that’s right for you and the payment option that best fits your needs. Then, visit an eye doctor, (going in-network will help you get the most from your benefits) to receive a comprehensive eye exam.EyeMed Cares - Maui Wildfires Update. Think you don’t need vision benefits? Think again. If you need vision correction, benefits help you get eye exams, save money and buy your favorite eyewear. If you see just fine, they still help protect your health. Where are you located? Stanton Optical is rapidly expanding! Please check our Locations page or contact us directly at (877) 518-5788 for additional information about our store locations and to schedule your eye exam. Nov 22, 2021 · Best Overall VSP Vision Care VSP is our top pick because it offers multiple plans with flexible coverage and costs, and because it is the largest provider of vision insurance available to most people. Can you use 2 vision insurances? Can You Use 2 Different Vision Insurance Plans? Yes, you can have two different vision insurance plans for yourself. Can I use VSP at Sunglass Hut? To use the benefit, you will have to visit a participating, authorized, independent VSP optometrist. Because it requires an VSP insurance pre-authorization from an optometrist, you will not be able to just walk into the local Sunglass Hut or Nordstrom to use this benefit. Can I claim non prescription sunglasses? Most ways to try eyewear: Warby Parker. Biggest eyeglasses selection: GlassesUSA. Great for the family: EyeBuyDirect. Best return policy: Liingo. Best variety of glasses: LensDirect. Coolest out ...Alternatively, if your coverage includes reimbursement for our of network purchases, you could buy glasses through Warby Parker, Zenni, or Firmoo and submit a reimbursement form. Typically VSP will cover a flat amount, like up to $100. 3. alexjonestownkoolaid • 2 yr. ago. Yes, America’s Best Contacts & Eyeglasses will accept VSP because this insurance company is on the in-store list since 2023. However, you need to ask on location to check because sometimes they make exceptions. The following vision insurance policies America’s Best accepts in 2023 : GET BUSINESS INSURANCE Avesis Aetna Community Eye Care DavisVision To get an exam is $30 instead of $100+. So at first, you save $70. However, our eyes are not changing and I have since just done online vision exams to renew our prescriptions for $30/each, which VSP does not cover. They give you a $140 allowance towards contact lens each year, per person. So at first, that seems like $280/year.Our commitment to diversity, equity, and inclusion. At Cigna Healthcare, we take an expansive view of diversity, including race, ethnicity, nationality, gender, veteran status, ability, sexual orientation, gender identity, and more. Our diverse perspectives and different ways of thinking help us meet the needs of our customers, clients, and ... Additional pair must be a complete pair. $100 minimum spend required (total before tax). If using vision insurance on qualifying purchase, $100 minimum spend reflects total retail price before vision insurance is applied, regardless of final out-of-pocket amount due. Offer can be applied to multiple additional complete pairs.Feb 27, 2019 · Simpler yet, download the VSP Vision Care On The Go app to check your coverage, show your vision card to eyecare providers and more. If you don't have VSP coverage through work, you can visit the VSP website or contact VSP Vision Care at (800) 877-7195 to select an Individual Plan for you and your family. EyeMed Cares - Maui Wildfires Update. Think you don’t need vision benefits? Think again. If you need vision correction, benefits help you get eye exams, save money and buy your favorite eyewear. If you see just fine, they still help protect your health.Visionworks is now in-network for VSP. Get the most out of your VSP membership by visiting Visionworks. With secure online appointment booking, over 700 storefront locations, and comprehensive specialty services, VSP members maximize their benefits with Visionworks. Check out your exclusive bonus offers below or log into VSP.com and start ...Sam's Club offers great deals on a wide collection of high-quality options, including contact lenses, reading glasses, eye health supplements and sunglasses. Plus, we offer eye exams with our in-store optometrists if you want to buy your first pair or replace your current eyewear or contacts. So lean in a little closer - or lean back, if that ... Where are you located? Stanton Optical is rapidly expanding! Please check our Locations page or contact us directly at (877) 518-5788 for additional information about our store locations and to schedule your eye exam.Yes, America’s Best Contacts & Eyeglasses will accept VSP because this insurance company is on the in-store list since 2023. However, you need to ask on location to check because sometimes they make exceptions. The following vision insurance policies America’s Best accepts in 2023 : GET BUSINESS INSURANCE Avesis Aetna Community Eye Care DavisVision See the difference when you visit a VSP Premier Edge™ location for your next eye exam. With thousands of choices including private practice doctors and retail locations nationwide, getting the most out of your benefits just got easier.You can place an order on Eyeconic’s website using your FSA or HSA card as you would any other credit card, or by calling us at 1-855-EYECONIC (855-393-2664) Monday – Saturday, 7 a.m. – 5 p.m. PST. * We cannot currently use multiple credit cards for each transaction. If you plan to use an FSA/HSA card along with your regular credit card ...Medicare Part B does not cover routine eye examinations and vision correction. That means prescription glasses and contact lenses will not be covered by your plan, unless you have had a necessary cataract surgery. Medicare Part B does cover annual glaucoma screenings for high-risk patients. These include individuals with diabetes or a family ... Yes, absolutely! LensCrafters accepts many insurance plans online as well as in store. However, some plans are only accepted in store. And there are a handful of out-of-network accepted insurance plans, like Vision Service Plan (VSP). Vision insurance covers most of the costs for eyeglass frames, lenses, special lens coatings, contact lenses ...May 14, 2022 · VSP Can I Use Vsp At Costco? Costco does accept VSP and EyeMed vision insurance at some warehouse locations as of 2021, in addition to most other major insurance plans. If customers need a vision test, new glasses, or other vision care, you can get it covered by VSP and EyeMed insurance at Costco. Eyemed Insight Network VSP members can get an Extra $40* to spend on Frames from bebe, Dragon, Longchamp and Nautica. *Available only to VSP members with applicable plan benefits. Offers are only available through VSP Network Doctors and In-Network locations. Offer ends 10/31/2023. You can use your allowance toward ANY frame your in-network doctor carries. The short answer is yes, Costco does take VSP. They are actually one of the few retailers that do. This is great news for people who have VSP insurance because it can be difficult to find a place that will accept it. If you have VSP insurance, then you know that it can be a great way to save money on your annual eye exam and glasses or contact ...This site uses cookies and related technologies to operate our site, help keep you safe, improve your experience, perform analytics, and serve relevant ads. You may choose to consent to our use of these technologies or manage your preferences by selecting "Manage Settings". You can learn more by visiting our Cookie Policy.Nov 23, 2020 · America’s Best. America’s Best has long been a favorite of mine for low cost eye care. Buy one pair of glasses for $59.95, add a second pair for $10, and get a free eye exam! Some free eye exams don’t include glasses, and this low cost option includes two! I hope this guide is helpful in getting you an eye exam. Yes, you can use your Flexible Spending Account (FSA) funds towards prescription glasses, prescription sunglasses and contact lenses on Eyeconic whether or not you have vision insurance. Every FSA plan is different, so it’s important to take a good look at yours before you start using your FSA funds. Yes, America’s Best Contacts & Eyeglasses will accept VSP because this insurance company is on the in-store list since 2023. However, you need to ask on location to check because sometimes they make exceptions. The following vision insurance policies America’s Best accepts in 2023 : GET BUSINESS INSURANCE Avesis Aetna Community Eye Care DavisVisionAMA! : r/IAmA. by khaoskyle. IamA Optical sales associate, I can prevent you from getting ripped off. AMA! I am an optical sales associate, which means I sell glasses for a living. I've seen some crazy things that you wouldn't think exist in the optical sales floor, but I've also seen some crooked deals happen in a previous job. Contact Us For A Detailed Itemized Statement. Once you complete your transaction, email us for an itemized statement of your transaction to file your out-of-network insurance claim. Include your Name, Invoice #, and email address. You can also call at 1-800-784-7427.See the difference when you visit a VSP Premier Edge™ location for your next eye exam. With thousands of choices including private practice doctors and retail locations nationwide, getting the most out of your benefits just got easier.The short answer is yes, Costco does take VSP. They are actually one of the few retailers that do. This is great news for people who have VSP insurance because it can be difficult to find a place that will accept it. If you have VSP insurance, then you know that it can be a great way to save money on your annual eye exam and glasses or contact ...To begin using the Dental Care Cost Estimator tool, click the Agree button below. By clicking, you agree that you have read the information below, are accessing this information for purposes of determining treatment cost estimates for dental care services you are considering receiving, and will not use the information in this tool for a ...Yes, America’s Best Contacts & Eyeglasses will accept VSP because this insurance company is on the in-store list since 2023. However, you need to ask on location to check because sometimes they make exceptions. The following vision insurance policies America’s Best accepts in 2023 : GET BUSINESS INSURANCE Avesis Aetna Community Eye Care DavisVision Lensabl is one of the few sites that allows you to send in your own pair of frames and get a new prescription lens for them. Its motto is, "Your frames, our lenses," with prices starting at $77 ...For example, your vision insurance may give you a $200 frame allowance. This means you’ll pay nothing if you pick frames that are $200 or less. However, if they’re more than $200, you’ll pay the difference. We offer a wide variety of frames and price points, including designer brands such as; Ray-Ban, Oakley, Coach and Vogue.Use Next and Previous buttons to navigate, or jump to a slide using the slide dots. ... VSP INSURANCE. Buy Eyewear Online. VSP Individual Vision Plans. See Plans.Once you have collected the above documents, use the information to complete VBA's Out-of-Network form. 3. How to submit. After completing and signing the Out-Of-Network form, you may mail or fax your claim with copies of your itemized receipts to: VBA 400 Lydia Street, Suite 300 Carnegie, PA 15106.If you still have questions about your plan, then you can speak directly with our knowledgeable customer service team at 800.785.0699. Our service center is open Monday through Friday from 7a.m. to 7p.m. Central Time. We’re happy to help you get even more from your VSP vision insurance. Your vision. Your way.Mar 29, 2020 · Follow Us: Some national retailers take VSP insurance for eyewear, including Pearle Vision and some Costco stores. The best way to find a VSP provider is to search the Find an Eye Doctor portion of the VSP website. Eyeconic, VSP’s eyewear store, allows shoppers to pick the frames and lenses they desire. Pearle Vision Centers and the ... Use Next and Previous buttons to navigate, or jump to a slide using the slide dots. ... VSP INSURANCE. Buy Eyewear Online. VSP Individual Vision Plans. See Plans.Nov 22, 2021 · Best Overall VSP Vision Care VSP is our top pick because it offers multiple plans with flexible coverage and costs, and because it is the largest provider of vision insurance available to most people. Can you use 2 vision insurances? Can You Use 2 Different Vision Insurance Plans? Yes, you can have two different vision insurance plans for yourself. Virginia's CollegeAmerica is a nationally-available, advisor-sold 529 plan that makes available a line-up of target date fund portfolios, objective based multi-fund portfolios and individual mutual funds from American Funds through Class 529-A, 529-C, 529-E, 529-F-1, 529-F-2 and 529-F-3 shares To find a financial advisor in your area, use the ...Buying Glasses and Contacts. Online with Vision Insurance. Save up to $220 when you use your vision insurance on Eyeconic. to shop for glasses, contacts, and sunglasses. Connect your vision benefits now to see your actual cost and. savings as you shop—most customers pay less than a $25 copay. and spend just $31 for eyewear.3) Login using your member ID and date of birth. Generally, member ID numbers should be 9 digits without dashes. 4) You should see your vision benefit eligibility right away. 5) You can now seamlessly find your Pairfect Match™ ! Shop over 7,000 styles of all the brands you love.Can I use VSP at Sunglass Hut? To use the benefit, you will have to visit a participating, authorized, independent VSP optometrist. Because it requires an VSP insurance pre-authorization from an optometrist, you will not be able to just walk into the local Sunglass Hut or Nordstrom to use this benefit. Can I claim non prescription sunglasses?Yes, you can use your Flexible Spending Account (FSA) funds towards prescription glasses, prescription sunglasses and contact lenses on Eyeconic whether or not you have vision insurance. Every FSA plan is different, so it’s important to take a good look at yours before you start using your FSA funds. Using an Individual Vision Plan is easy. First, pick the plan that’s right for you and the payment option that best fits your needs. Then, visit an eye doctor, (going in-network will help you get the most from your benefits) to receive a comprehensive eye exam. If corrective vision is needed, your eye doctor can help pick glasses or contacts ... Basic computer glasses are generally affordable. If you want high-end frames, multifocal lenses or progressive lenses, your vision plan can go a long way toward lowering the cost. 4. Use an in-network provider. With a Blue Cross Blue Shield vision plan, choosing an in-network provider usually costs less than if you use an out-of-network provider.Jun 15, 2022 · Signing up to NordVPN is easy: just go to the NordVPN website, click on one of the many "get NordVPN" buttons and you'll be transported to a page where you can choose between the service's three plans. For the best savings, take the two-year plan. If you're worried about not liking it, there is a 30-day money-back guarantee you can make use of ... Ordering prescription contacts online is a much easier process compared to ordering prescription glasses. The first thing that you will need to order your contacts is a current copy of your contact lens prescription. This copy of your prescription will have to be valid and unexpired. In the United States, contact lens prescriptions generally ...Once you have collected the above documents, use the information to complete VBA's Out-of-Network form. 3. How to submit. After completing and signing the Out-Of-Network form, you may mail or fax your claim with copies of your itemized receipts to: VBA 400 Lydia Street, Suite 300 Carnegie, PA 15106.Your benefits will always go further when you see an in-network eye doctor. However, if you’d like to see an out-of-network provider, please call Member Services at 800.877.7195 to see if you have out-of-network benefits. If you choose to see an out-of-network provider, your coverage will likely be less than when you see a VSP network eye doctor.Pearle Vision vs. LensCrafters. Pearle Vision and LensCrafters have emerged as two leading eyewear providers in the country. National retailers like these staff independent doctors of optometry and accept most major insurance plans, so you can get your eyewear needs met easily. Established in 1961, Pearle Vision provides in-store exams and eye ...Basic computer glasses are generally affordable. If you want high-end frames, multifocal lenses or progressive lenses, your vision plan can go a long way toward lowering the cost. 4. Use an in-network provider. With a Blue Cross Blue Shield vision plan, choosing an in-network provider usually costs less than if you use an out-of-network provider.How To Use Vision Insurance at FramesDirect.Com. If you have vision insurance, you can submit your FramesDirect.com prescription eyewear or contact lens purchase for reimbursement in three easy steps: Complete the reimbursement form for your insurance provider. Attach your itemized FramesDirect.com order receipt or invoice (which will be ... VSP Vision Care | Vision Insurance Your Eyes Will Love This See the difference when you visit a VSP Premier Edge™ location for your next eye exam. With thousands of choices including private practice doctors and retail locations nationwide, getting the most out of your benefits just got easier. See What's New Find a Doctor Where are you located? Stanton Optical is rapidly expanding! Please check our Locations page or contact us directly at (877) 518-5788 for additional information about our store locations and to schedule your eye exam.Sep 4, 2023 · The short answer is yes, Costco does take VSP. They are actually one of the few retailers that do. This is great news for people who have VSP insurance because it can be difficult to find a place that will accept it. If you have VSP insurance, then you know that it can be a great way to save money on your annual eye exam and glasses or contact ... With a 35% in-network discount, the fee goes down to $1,300. After paying your $50 deductible, the insurance company pays half of the remaining $1,250 charge, and you owe the other half ($625). You save $1,325, and your total out-of-pocket expense is $675. Visionworks is now in-network for VSP. Get the most out of your VSP membership by visiting Visionworks. With secure online appointment booking, over 700 storefront locations, and comprehensive specialty services, VSP members maximize their benefits with Visionworks. Check out your exclusive bonus offers below or log into VSP.com and start ... Employee Coverage. Self-employed, seniors, part-time workers, and those between jobs can apply for individual VSP coverage and Premier Edge. These vision plans start at around $13 per month and include all the standard VSP vision benefits, including reimbursement for eye exams, contact lenses, glasses, and various other services.Your benefits will always go further when you see an in-network eye doctor. However, if you’d like to see an out-of-network provider, please call Member Services at 800.877.7195 to see if you have out-of-network benefits. If you choose to see an out-of-network provider, your coverage will likely be less than when you see a VSP network eye doctor.Davis Vision can help minimize your out-of-pocket costs for vision care and eyewear. Selection of frames at no additional cost to you. Access to the Exclusive Collection, 5 with coverage on designer frames for $40 or less and with a one-year breakage warranty at no additional cost. Choice of retail chains in-network, such as Americas Best ...SHOP VSP Benefits Are Easy to Use Create an Account When you create an account and log in, you’ll get instant access to your Dashboard with your personalized benefits information, Member ID card, and exclusive member offers. Create Account Review Your BenefitsBased on a recent price comparison, an exam for a new eyeglass prescription costs around $84 on average. For a contacts exam, you can typically expect to pay $100-$150. America’s Best offers eye exams beginning at $59 and contacts exams for $99. That means you’ll be saving between $30 and $60 compared to most optometrists’ offices.Dec 31, 2022 · The CollegeAmerica® 529 education savings plan has served more than 4.9 million beneficiaries since 2002*. One of the most effective ways to save for college is with a 529 savings plan. CollegeAmerica is the nation’s largest 529 savings plan, † with approximately 2.7 million families invested nationwide.*. As a matter of fact, our 529 plan ... Based on a recent price comparison, an exam for a new eyeglass prescription costs around $84 on average. For a contacts exam, you can typically expect to pay $100-$150. America’s Best offers eye exams beginning at $59 and contacts exams for $99. That means you’ll be saving between $30 and $60 compared to most optometrists’ offices.Sep 4, 2023 · The short answer is yes, Costco does take VSP. They are actually one of the few retailers that do. This is great news for people who have VSP insurance because it can be difficult to find a place that will accept it. If you have VSP insurance, then you know that it can be a great way to save money on your annual eye exam and glasses or contact ... Aug 20, 2023 · Any other use is not allowed. Improper use of this information may subject the user to liability. You have the right to contact VSP at 1.800.877.7195 to request a printed directory. The online directory is updated more frequently than printed directory. As a VSP member you can access language interpreter services at no cost. VSP Vision Insurance Rates. VSP offers two plans. The $120 Vision Plan $15.16/month per person, The $175 Vision Plan $19.24/month per person. The premium is the same regardless of a person’s age or where they live in California. There is a 1-year contract. You may pay up-front or monthly. Sam's Club offers great deals on a wide collection of high-quality options, including contact lenses, reading glasses, eye health supplements and sunglasses. Plus, we offer eye exams with our in-store optometrists if you want to buy your first pair or replace your current eyewear or contacts. So lean in a little closer - or lean back, if that ... Exchange shares. You may reallocate your CollegeAmerica investment twice per calendar year and whenever there’s a change to the beneficiary of the account. Log in to your account and click Exchange to complete the transaction online, or call us at (800) 421-4225.UnitedHealthcare vision insurance plans offer a variety of individual coverage options. Vision insurance helps cover eye exams, contacts, glasses and more.Apr 7, 2023 · There are three types of plans offered by Davis Vision: Essential, Classic, and Premier. The Essential plan starts at just $12.50 a month with $15 eye exams, lenses covered in full, and an ... As a VSP member, you can use your benefits towards eyewear and contacts on Eyeconic.com. Please note that this does not apply to members who have Medicare or Medicaid. To find out if your benefits apply to Eyeconic, login to vsp.com. Click on Benefits from the top navigation, then My Benefits. Click on Shop Eyeconic from the left navigation ... These vision plans start at around $13 per month and include all the standard VSP vision benefits, including reimbursement for eye exams, contact lenses, glasses, and various other services. Self-employed, seniors, part-time workers, and those between jobs can apply for individual VSP coverage and Premier Edge.Contact Us For A Detailed Itemized Statement. Once you complete your transaction, email us for an itemized statement of your transaction to file your out-of-network insurance claim. Include your Name, Invoice #, and email address. You can also call at 1-800-784-7427.VSP Vision Care benefit information is considered (PHI). Our arrangement with the group policyholder, with respect to Protected Health Information (PHI), prevents members from accessing an adult dependent’s PHI without the dependent’s specific written authorization. Please call VSP at (800) 877-7195 if you have any questions. Yes, absolutely! LensCrafters accepts many insurance plans online as well as in store. However, some plans are only accepted in store. And there are a handful of out-of-network accepted insurance plans, like Vision Service Plan (VSP). Vision insurance covers most of the costs for eyeglass frames, lenses, special lens coatings, contact lenses ...With locations across the United States, we're easy to find, so you can get a comprehensive vision exam or purchase new glasses or contacts at your convenience. Visionworks stores accept thousands of insurance plans making it easy for you to see the difference, literally! We want every person who visits our stores and affiliated optometrists to ...
The short answer is yes, Costco does take VSP. They are actually one of the few retailers that do. This is great news for people who have VSP insurance because it can be difficult to find a place that will accept it. If you have VSP insurance, then you know that it can be a great way to save money on your annual eye exam and glasses or contact .... Fmc na
In many cases, the “exam hours” are different than the warehouse hours but the hours that they are open to actually sell glasses are the same. At my Costco, exams are available from 10 am – 7 pm Monday-Friday, 9:45 am – 5 pm on Saturday, and 10 am – 3 pm on Sunday. Just call your local Costco to schedule your appointment and ask what ...At participating in-network providers, members get everyday savings like 40% off a complete additional pair of prescription glasses or 20% off non-prescription sunglasses. (These discounts are for in-network providers only. Benefits may not be combined with any discount, promotional offering, or other group benefit plans. According to the company's website, one in five Americans is covered by a VSP plan that offers vision care and eyewear benefits. If you're enrolled in a VSP plan (or a comparable vision benefits plan, such as EyeMed) through work, you can take advantage of significant savings when purchasing eye care and eyewear.With a 35% in-network discount, the fee goes down to $1,300. After paying your $50 deductible, the insurance company pays half of the remaining $1,250 charge, and you owe the other half ($625). You save $1,325, and your total out-of-pocket expense is $675. You can use your vision insurance to purchase contact lenses or glasses from your home with 1-800 Contacts. Your insurance may also cover a virtual eye exam (perfect for individuals with healthy eyes that need their prescription renewed.) Can I use my FSA/HSA fund with my insurance? Yes. You can use your FSA/HSA card at checkout, like a typical ...Dec 3, 2021 · Basic computer glasses are generally affordable. If you want high-end frames, multifocal lenses or progressive lenses, your vision plan can go a long way toward lowering the cost. 4. Use an in-network provider. With a Blue Cross Blue Shield vision plan, choosing an in-network provider usually costs less than if you use an out-of-network provider. Decrease screen time: Staring at screens can strain the eyes and even cause a condition known as computer vision syndrome. When you use screens for a long period, try to look away for 20 seconds at something 20 feet away every 20 minutes to give your eyes a break. Better yet, step away from screens when you can.How do I use my VSP benefits? Create an Account or log in to your www.vsp.com account to check your coverage and eligibility for your exam, glasses and contacts. Once logged in, click on Benefits tab, then click on My Benefits in the Benefits section.These vision plans start at around $13 per month and include all the standard VSP vision benefits, including reimbursement for eye exams, contact lenses, glasses, and various other services. Self-employed, seniors, part-time workers, and those between jobs can apply for individual VSP coverage and Premier Edge. Associates should give customers placing in-store orders an estimated day of when their glasses should arrive back at the store. Because we use a centralized lab, eyeglasses are typically ready for pick-up in 7-10 business days. If you would like to know the status of your order, please contact your local store. If you still have questions about your plan, then you can speak directly with our knowledgeable customer service team at 800.785.0699. Our service center is open Monday through Friday from 7a.m. to 7p.m. Central Time. We’re happy to help you get even more from your VSP vision insurance. Your vision. Your way.Call 800.785.0699 For a Limited Time! VSP ® Members Save an Extra $40 On select frame brands * Send Me The List * Available only to VSP members with applicable plan benefits. Frame brands subject to change. Eye Exams Glasses Progressives Lens Enhancements With VSP, what you see is what you get.With a 35% in-network discount, the fee goes down to $1,300. After paying your $50 deductible, the insurance company pays half of the remaining $1,250 charge, and you owe the other half ($625). You save $1,325, and your total out-of-pocket expense is $675. .