Vision Insurance

Even if you have perfect vision, preventative eye care is essential for ensuring the health of your vision in the years to come. The most important step is receiving routine examinations from a qualified eye care professional. It is recommended that Individuals between the ages of 20 and 40 have a comprehensive eye exam every five years or so, provided no visual changes or injury has occurred. Individuals over the age of 40 should have an exam at least every two years.

RBI offers vision insurance to help you keep the cost of vision care affordable. The coverage is provided through Ameritas and EyeMed, whose network of more than 50,000 providers and provider locations nationwide includes both independent practitioners and retail locations such as Sears Optical, Target Optical, JC Penney, Pearle Vision, and LensCrafters.

Who May Participate

You are eligible to enroll yourself and your family in PCA Vision Insurance if you are a full-time (minimum of 30 hours per week) PCA minister, non-MTW missionary, administrative or lay employee of a PCA church or related organization. Coverage is available to all eligible employees who reside in the U.S.

Eligibility begins on the first day of the month following your date of hire for most employees.

About Ameritas

Ameritas Group is headquartered in Lincoln, Nebraska, and was founded over 120 years ago. It specializes in Dental and Vision coverage and insures nearly eight million members of over 30,000 groups. The company is rated “A (Excellent)” by A.M. Best, a worldwide insurance rating and information agency.

Vision Plans

PCA Basic and Enhanced Vision Plans

The Basic Vision plan covers vision examinations with discounts for corrective lenses and frames when prescribed by an ophthalmologist or an optometrist. The Enhanced Plan augments the coverage and provides deeper discounts and allowances for corrective lenses and frames.  For Basic and Enhanced plans all full-time employees must enroll in at least the Basic Plan.

PCA Voluntary Vision Plan

This plan pays for vision examinations, corrective lenses and frames when prescribed by an ophthalmologist or an optometrist.  A minimum of 3 or 50% of employees must be covered.

In-Network vs. Out-Of-Network

The employer-paid Basic option covers in-network services only. If you enroll in the Voluntary or Enhanced options, you can obtain vision care from either in-network or out-of-network providers for certain services. In some cases, you’ll pay only a co-pay for in-network services, but receive a fixed allowance for out-of-network services. See the chart under “Vision Insurance Benefits” for details.

Finding A Provider

Ameritas uses the EyeMed “Access” network.  To locate a participating vision provider, please visit EyeMed.

Laser Vision Correction

Under the Voluntary or Enhanced plans, you may obtain laser vision correction (LASIK or PRK) from the U.S. Laser Network at 15% off the retail price or 5% off a promotional price.


See the summary vision brochure to review further information.  Other provisions apply.  The plan policy and certificate supersedes any information published on this website.

Update the PCA benefits offered to your staff by completing and submitting a new Insurance Adoption Agreement (IAA). Mark the new form with all products your organization will offer your full-time employees (include all current PCA plans with any new ones).

About PCA Retirement & Benefits

We guide PCA pastors and ministry workers through the complexities of financial planning and employee benefits, so they and their families are able to live generously in every season of ministry.


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