SSQ Financial Vision Coverage — Direct Billing
Direct Billing May Vary by Plan — We’ll Check When You Arrive
A Friendly Heads-Up About Coverage Amounts
The coverage details on this page are based on publicly available information from the provider's own website. Your actual coverage may be different depending on your specific plan, your employer's selections, and when your benefit period resets.
We always recommend checking with your provider directly to confirm your exact coverage — and the easiest way is usually through their app or online portal, where you can see your remaining benefits instantly.
One more thing: we are not able to verify your insurance over the phone or by email. To check your coverage, you will need to visit us in store — we can look everything up for you right at the counter. It only takes a minute, and there is never any obligation.
About SSQ Financial Group (Now Beneva)
SSQ was founded on May 9, 1944 in Quebec City by Dr. Jacques Tremblay — a doctor who wanted to provide affordable medical care to working-class French Canadians who could not afford it. Originally called Cooperative de sante du Quebec, the name was shortened to SSQ (Les Services de Sante du Quebec) in 1945.
SSQ expanded into life insurance and disability in the 1950s, then dental, vision, chiropractic, and drug coverage in the 1960s. By the time they merged with La Capitale in 2020, SSQ served over 3 million customers. On January 1, 2023, both companies officially became Beneva.
Vision Coverage
SSQ/Beneva group plans cover vision care including eye exams, glasses, and contacts. Typical plans offer $200–$400 every 24 months. All SSQ coverage continues under the Beneva brand — if your card still says SSQ, it works the same way.
Note About Direct Billing
SSQ/Beneva's direct billing support can vary by plan. In some cases, you may need to pay upfront and submit for reimbursement. We will let you know when we verify your plan — if direct billing is available for your specific plan, we will use it.
How We Bill SSQ / Beneva
Bring your SSQ or Beneva card to Charm Optical. We will check whether your plan supports direct billing and handle the process accordingly. Either way, we will make it as easy as possible.
Heads Up — You May Need to Pay Upfront
Depending on your specific SSQ plan, direct billing may not be available. In some cases, you may need to pay at the time of your visit and submit the receipt to SSQ for reimbursement. We will check your plan when you arrive and let you know right away — no surprises. If direct billing is available on your plan, we will handle everything for you as usual.
Coverage at a Glance
Here’s what your plan typically covers when you visit Charm Optical. Coverage amounts vary by plan — check with your insurance provider for exact details.
Eye Exams
Comprehensive eye exams with a licensed optometrist, usually covered once every 12–24 months.
Prescription Glasses
Frames and lenses with your prescription. Most plans cover a set amount every 24 months.
Contact Lenses
Daily or monthly contacts. Usually covered as an alternative to glasses.
Prescription Sunglasses
Sunglasses with your prescription are covered. Non-prescription sunglasses are not eligible.
How Direct Billing Works
Bring Your Card
Just bring your insurance card when you come in. No need to call your provider or fill out any forms beforehand.
We Verify Your Coverage
We’ll look up your plan right away and let you know exactly what’s covered — no surprises.
Walk Out — We Handle the Claim
We submit the claim for you before you leave. You just pay your co-pay if there is one. Done.
Frequently Asked Questions
Does Charm Optical direct bill SSQ?
It depends on your specific plan. Some SSQ plans support direct billing and some do not. We will check your plan when you arrive and let you know right away — no surprises. If direct billing is available, we handle everything for you.
What if my SSQ plan doesn’t support direct billing?
No problem at all. You pay at the time of your visit and we provide you with a detailed receipt to submit to SSQ for reimbursement. We accept cash, debit, Visa, Mastercard, and Amex.
What does SSQ typically cover for eye care?
Most SSQ plans cover eye exams, prescription glasses, contact lenses, and prescription sunglasses. Coverage amounts vary by plan — we recommend checking your SSQ portal or giving them a call for your exact benefits.
Ready to Use Your SSQ Financial Vision Coverage — Direct Billing Benefits?
Book your eye exam online in 30 seconds. Just bring your insurance card and we’ll handle everything from there.
Or call us at (780) 490-0090