VSP Vision Insurance FAQs: Part 2 

Now that you have read part one of our VSP vision insurance frequently-asked-questions, you may have additional questions about coverage. In-network eye doctors versus out-of-network? Where can I buy eyeglasses and contacts?  Here is part two of our frequently-asked-questions about VSP vision insurance. 

Who is my vision insurance provider?

If you choose a plan with VSP vision insurance, then VSP is your insurance provider

Who takes VSP vision insurance?

Eye doctors and eye care professionals within VSP’s provider network. With the nation’s largest network of independent doctors, there’s always an optometrist nearby and online. Don’t believe it? Find an eye doctor in your area.

Where can I find a full list of vision care providers?

Search VSP’s provider network to find an eye doctor close to you.

What is the difference between in-network providers and out-of-network providers?

An in-network provider is an eye doctor that has met VSP’s requirements for quality of service and accepted specific rates negotiated by VSP to save you money on your services. An out-of-network provider does not have the same discounted rates for their services. You will typically pay much less going to a VSP network doctor. 

How do I submit a claim for an out-of-network provider reimbursement?

If you use your plan out-of-network, you may incur higher out of pocket costs and you’ll need to complete a claim form and include any itemized receipts. Out-of-network coverage is not available in Massachusetts and Washington, and coverage varies in Maryland. For more details, please call Member Services at 1.800.877.7195. 

Can I get my eye exam at one location and the glasses at another?

Yes. You just need to make sure to have the optometrist who performs your eye exam provide you with your eye health records and a prescription for you to take to the location where you’d like to purchase your eyewear. 

Can I use VSP vision insurance to buy contacts online?

Yes, but first you should have a fitting and evaluation with your eye doctor and you’ll need your current prescription. Your eyes change over time, including size and shape, so do not assume your old prescription and fitting are still best for your eyes. Generally, it’s a good idea to know how your eyes respond to specific brands of contact lenses beforehand. Therefore, ordering online is best suited for reordering contacts you already trust and feel comfortable with. 

Can I use VSP to buy glasses online? 

If you do prefer to shop online, you can visit Eyeconic.com, which seamlessly connects your eyewear, your VSP insurance coverage, and your eye doctor’s expertise. Plus, you’ll enjoy a wide selection of stylish frames and lens enhancements to choose from. 

Can I use 1-800 CONTACTS to order contacts?

Yes, to get the most out of your vision insurance benefits, and avoid filing any claims, we recommend getting your contacts online at Eyeconic.com, where VSP members have access to additional discounts and savings.
Other online retailers will be out-of-network, requiring a separate additional claims step. 1-800 CONTACTS provides this specific information on their website: “We are also accepted as an out-of-network provider by most major insurance companies, such as VSP.... You can simply purchase your contacts (online or by phone) and download the out of network form, then submit both the invoice from your order and the completed form to your insurance company for reimbursement. It's that easy."  To get the most out of your vision insurance benefits, and avoid filing any claims, we recommend getting your contacts online at Eyeconic.com, where VSP members have access to additional discounts and savings.

Which vision insurance does Costco accept? 

Large chain optical centers such as Costco, Sears, Walmart, Cohen’s, etc. are not in-network for plans sold on this site. Please be aware if you choose to go to an out-of-network provider, you’ll have to submit the claims yourself and will be reimbursed at lesser out-of-network coverage amounts.

Which vision insurance does Walmart accept?

Walmart is an out-of-network provider for VSP. If you have an out-of-network benefit included in your plan, then for reimbursement simply submit your itemized receipt from your order along with a VSP out-of-network reimbursement form to VSP. 

Is LASIK also covered by my plan?

If you’ve been itching to correct one or both of your eyes with laser eye surgery, then look no further than VSP. Through your vision plan, you’ll have access to Exclusive Member Extras which includes savings on LASIK. You’ll receive around a 15% discount on your surgery.

Can my vision insurance be used for sunglasses?

Yes! VSP vision plans have a set frame allowance that you may put towards new prescription eyeglasses (including prescription sunglasses), or contact lenses, and even prescription sunglasses. Additionally, even if you’ve already exceeded your frame allowance for the year, when you purchase a new pair of sunglasses, you’ll receive a 20% discount. And this discount applies to any number of additional sunglasses or eyeglasses. Amazing, right? 

Hopefully, you feel much more equipped to get the most out of your plan’s benefits and discounts to keep your vision clear and eyes healthy. 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!

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