Your vision plan should cover an annual comprehensive eye exam, frames or contacts, and lens enhancements. Other things to consider are how often you want new glasses and your overall frame allowance. Some plans may highlight low rates, but provide an overall low frame allowance, or don’t provide a lot of savings on lens enhancements (where costs can really add up). Plus, you’ll want to make sure the doctor network includes convenient locations. Read the plan details to ensure you’re getting the right plan for your needs.
A copay is the fixed amount paid by you to the doctor’s office when you visit an eye doctor. Take an eye exam for example; once you pay the exam copay, your plan will pay for the remainder of whatever your doctor charges for an exam. Copays are usually due to the doctor’s office at the time you receive services.
A frame allowance is the amount covered by your insurance for your frames or for lens enhancements. You can use this toward any frame brands carried by your VSP doctor. If you select frames that are more than the allowance covers, you only pay the difference.
A lens enhancement is an added feature to the lenses in your glasses that is intended to improve the quality of your experience with your prescription glasses. They include things like scratch resistance and anti-glare and you may decide on additional lens enhancements that better meets the needs of your eyes. Your eye doctor can advise if a certain lens enhancement would be good with your prescription.
Some vision plans may cover lens enhancements for a small co-pay. Your eye doctor can help you choose the lens enhancements that are right for you and covered by your plan.
A comprehensive eye exam includes numerous tests to evaluate your vision, eye health, and screen for health conditions such as diabetes and high cholesterol. You can also receive a prescription for corrective lenses. A vision screening will only check for potential vision problems and any concerns will usually be referred to an eye doctor.
A vision plan will help you take care of your eyes and save you money at the same time. But vision insurance is more than that. Taking good care of your vision is important to your overall health. During your eye exam, the doctor can detect early signs of serious general health conditions so you can manage them before they become more difficult problems. This can include things like diabetes and high blood pressure.
Most vision plans provide access to preventative eye exams and corrective eyewear. Your regular health insurance plan may cover health costs if you injure your eyes in an accident or have a health condition that affects your vision.
Most health insurance plans do not cover LASIK as it is an elective surgery. However, VSP Vision Care Members are eligible to save on LASIK procedures through Exclusive Member Extras.
Routine vision exams can help detect health conditions such as diabetes and are also important for monitoring changes in vision. In addition to coverage for eye exams, VSP members also have access to Exclusive Member Extras which provides savings and resources for diabetes-related services.
VSP was founded in 1955 and is the largest vision insurance provider in the nation. VSP Individual Vision Plans were created as a division of VSP for people to maintain access to vision care when they don’t have coverage through an employer-sponsored plan.
You can choose to enroll in a different plan in the first 30-days after enrollment if you have not received any services or filed any claims.
We guarantee your satisfaction. If you’re not 100% happy with the eye care and eyewear you receive from a VSP network doctor, we’ll make it right.
Customer Service can be reached Monday – Thursday 7am-9pm, Friday 7am-7pm, or Saturday 9:30am-4pm CST at <strong>800.785.0699</strong>.
VSP has the nation’s largest network of independent doctors so you’re sure to find a provider <a href="https://www.vspdirect.com/gallagher-iacp/find-a-doctor">nearby</a>.
We’re so glad you asked. Our members love us, <a href="https://www.vspdirect.com/gallagher-iacp/reviews">see</a> for yourself all the great things they have to say about VSP Individual Vision Plans.
You’ll find the best selection of frames at your VSP doctor’s office. You can use your allowance toward any frame that your VSP doctor carries. If you prefer to shop online, you can use your prescription at <a href="https://www.eyeconic.com/" target="_blank">Eyeconic<sup>®</sup></a>, which easily connects your benefits and prescription in one convenient shopping location. If you chose to get glasses out-of-network, your coverage will be less, and you’ll most likely have higher out-of-pocket expenses.
Yes. You’ll get 20% savings on any additional glasses or sunglasses, including lens enhancements, from a VSP network doctor within 12 months of your last WellVision Exam®.
The VSP Individual Vision Plan can only be applied towards prescription glasses and sunglasses. However, you can get an additional 20% off an additional pair of glasses and apply that to regular sunglasses.
You don’t have to get both at the same place but be sure to go in-network for your eye exam and glasses to get the best value and maximize your savings. You can also shop for glasses online at <a href="https://www.eyeconic.com/" target="_blank">Eyeconic<sup>®</sup></a>, which easily connects your benefits and prescription in one convenient shopping location.
VSP members can get an Extra $40* to spend on Frames from <span class="text-blue">bebe, Calvin Klein, Calvin Klein Jeans, Dragon®,</span> and <span class="text-blue">Flexon®</span>. <br><br> <small>*Available only to VSP members with applicable plan benefits. Offers are only available through VSP Network Doctors and In-Network locations. Offer ends 2/28/2021. </small> <div class="clearfix"></div> You can use your allowance toward <strong>ANY frame</strong> your in-network doctor carries. Whether you’re looking for classic frames or trendy styles, you’ll find the best selection of frames at your VSP network doctor’s office. <br> <strong>Plus</strong>, get an Extra $20 to spend on these featured frame brands: <br> <div class="card card-body ml-3 no-border"> <ul class="featured-frames"> <li>Altair®</li> <li>Anne Klein</li> <li>Cole Haan</li> <li>Columbia</li><li>Converse</li> <li>Cutler and Gross</li> <li>DKNY</li> <li>Donna Karan</li> <li>Dragon®</li> <li>Draper James</li> <li>Genesis®</li> <li>JOE Joseph Abboud</li> <li>Joseph Abboud</li> <li>Kilter®</li> <li>Lacoste</li><li>Lanvin</li> <li>Lenton & Rusby®</li> <li>Liu Jo</li> <li>Longchamp</li> <li>Marchon NYC™</li> <li>MCM</li> <li>Nautica</li> <li>Nike</li> <li>Nine West</li> <li>Otis & Piper™</li> <li>Paul Smith</li> <li>Pure</li> <li>Salvatore Ferragamo</li> <li>Skaga®</li> <li>Spyder</li> <li>Sunlites™</li> <li>Victoria Beckham</li> </ul> </div>
Our vision plans provide savings on many lens enhancements: <div class="card card-body ml-3 no-border"> <ul> <li class="mb-2"><strong>Scratch-resistant coating</strong> – A clear coating that is less likely to scratch than uncoated lenses.</li> <li class="mb-2"><strong>Anti-glare (anti-reflective) coating</strong> – A coating that increases a lens’s light transmission. It also reduces the amount of light reflected from the lens surface and eliminates ghost images.</li> <li class="mb-2"><strong>Impact-resistant lenses</strong> – Lenses built from polycarbonate material, which is up to 10 times stronger than glass or plastic lenses.</li> <li class="mb-2"><strong>Progressive (no-line multifocal) lenses</strong> – Progressive lenses are line-free, and their prescription strength gradually changes from distance to intermediate to near vision.</li> <li class="mb-2"><strong>Light-to-dark (photochromic adaptive) lenses</strong> – Light-sensitive lenses that darken when exposed to sunlight and lighten when sun exposure is reduced.</li> <li class="mb-2"><strong>UV protection</strong> – A lens treatment that absorbs the harmful portion of UV light found in sunlight.</li> <li class="mb-2"><strong>High-index lenses</strong> – These thinner, lighter lenses are designed to improve comfort and attractiveness for those with high prescriptions.</li> </ul> </div>
Your allowance depends on which plan you choose. Most plans have a contacts allowance to use towards contact lenses. And as a VSP member, you’ll have access to additional savings and discounts on contact lenses through our Exclusive Member Extras.
An eye exam will evaluate your vision and help detect health conditions such as glaucoma or diabetes. A contact lens fitting and evaluation will ensure the contacts fit properly and do not harm the eyes.
To make the most of your plan benefits, members can get contacts at their VSP network doctor or online at <a href="https://www.eyeconic.com/" target="_blank">Eyeconic<sup>®</sup></a>, where you can easily connect your benefits to receive additional savings.
It's easy to maximize your benefits to get both. If you plan to get glasses and contacts in the same year, use your plan coverage to get your glasses first, then apply the discount on your contact fitting and evaluation to maximize your savings. From then on, you can use the plan allowance the enxt year to get glasses, then the following year to get contacts. You can keep alternating between glasses and contacts year-over-year to see your very best.
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 to best fit your style. You pay your copay at the doctor’s office along with any options outside of your plan coverage, and the doctor will take care of processing your benefit claims.
After you enroll, you can start using your benefits the next business day.
If you’d like to include your spouse or family members, please choose a two-person or Family Plan when you enroll. You can also buy an individual plan for a friend or family member who doesn’t have vision coverage.
While VSP Vision Care does not coordinate benefits with other medical plans or benefits, you can use the plan in addition to your other health plans.
Yes. You can defer the start of your plan up to six months when you enroll online. If you’d like to start your plan later than six months, please call us at <strong>855.782.9877</strong> for assistance.
Making an appointment is easy. Go to <a href="https://www.vspdirect.com/gallagher-iacp/find-a-doctor">Find a Doctor</a> and pick any doctor you’d like. Tell them you have VSP and they’ll take care of the rest. To get the most out of your benefits, visit a Premier Program practice.
When you visit a VSP network doctor, there are no claim forms to submit. If you chose to see an out-of-network provider, you may incur higher out of pocket costs and will have to submit a claim form and include any itemized receipts.
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.
The money you save depends on the plan you choose and the selections you make at the doctor's office. The following chart shows a typical example of the savings you could enjoy. The more lens enhancements you opt for, the more you'll save. Plus, you can add to your savings by using your Health Savings Account (HSA) for your copays and out-of-pocket costs. <img src="https://iuploads.scribblecdn.net/5f7290d0-b39a-4aa5-b833-66125aaab1fc/global/imagelib/uncategorized/the_savings_chart.jpg" id="ball_ibGh9tDhX0CwluLGddd13A" width="991" class="ixp-image" height="397" border="0">
You can choose to pay the annual premium in one payment or in twelve (12) monthly installments, regardless of when benefits are utilized. The monthly payment option is a 1-year contract.
Yes. If you choose to make monthly installments you can pick your billing date to occur on the first, fifth, tenth, fifteenth or twentieth of each month.
Some VSP Individual Vision Plans are available to members of the Healthy Vision Association (HVA) which has a membership fee. As a member of the HVA, you’ll have access to health and wellness discounts and savings.
You’ll need to enroll in a plan and pay the first monthly installment, or the annual fee, before you can use the plan. Please note, monthly installments are billed one month in advance. If you choose the same month effective date, your first payment will cover two installment periods, the current month and the next month, simultaneously. Your next payment will be withdrawn the following month on or around the reoccurring auto-payment date you select.
While we don’t offer senior discounts, VSP Individual Vision Plans start as low as $13 a month and there are multiple options to choose from to fit your budget. You’ll also have access to Exclusive Member Extras and enjoy savings on lenses, contacts, LASIK, and more, including up to 60% savings on <a target="_blank" href="https://www.vspdirect.com/resources/VSP-HearingAidDiscountOffer.pdf">hearing aids</a>.
Yes! VSP members have access to Exclusive Member Extras and enjoy savings on lenses, contacts, LASIK, and more, including up to 60% savings on <a target="_blank" href="https://www.vspdirect.com/resources/VSP-HearingAidDiscountOffer.pdf">hearing aids</a>.
Continuing your coverage is easy. Each year, your plan will automatically renew (we'll charge the same credit card you provide us during your initial enrollment). We'll remind you 60 days in advance of your renewal. If you wish to make any changes to your coverage, you can call our Customer Service at <strong>800.785.0699</strong>.
Yes, you can start your plan up to six months out after enrolling online. If you'd like to start your plan beyond six months out, however, please give us a call and one of our knowledgeable plan advisors will assist you.
There’s a high likelihood your doctor is covered. Our network is the largest independent doctor network in the country. So you’ll have plenty of options near you. To know for sure, go to <a href="https://www.vspdirect.com/gallagher-iacp/find-a-doctor">Find a Doctor</a> and enter your ZIP code.
Go to <a href="https://www.vspdirect.com/gallagher-iacp/find-a-doctor">Find a Doctor</a> and pick any doctor you’d like. Tell them you have VSP and they’ll take care of the rest.
No, but you’ll get the most from your benefits when you stay in-network. VSP has the largest independent doctor network in the country so you’re sure to find a practice close by.
Yes, but 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.
With a VSP network doctor, you’ll get a WellVision Exam<sup>®</sup>—a comprehensive eye exam that only VSP Network Doctors can provide that can aid in the early detection of serious health conditions, like glaucoma, high-blood pressure, and diabetes. Plus, with low copays on your exam and glasses, a frame allowance, and discounts on lens enhancements, your coverage will go further when you see a VSP network doctor. With out-of-network providers, you may only be reimbursed a portion of your out-of-pocket cost.
As a member, you’ll get more and save more through special offers that are exclusive to Premier Program locations. When you purchase your glasses from a doctor who participates in the Premier Program, you’ll get a one-year, worry-free warranty on featured frame brands. You’ll also get access to a wide selection of featured frame brands and performance lenses. Plus, our members who’ve chosen a Premier Program location tell us that they’re more satisfied and more likely to recommend their eye doctor to family and friends.
Most Medicare plans don’t offer comprehensive routine vision care. VSP Individual Vision Plans provide full-service plans for eye exams, glasses and lens enhancements, or contacts.
VSP Vision Care does not coordinate benefits with Medicare. In other words, you can't use $150 of frame allowance from a VSP plan and add $50 of allowance from a Medicare plan to get a $200 frame fully covered. You would use one plan's benefit or the other. Check your Medicare plan to see if your vision care needs are covered.
Because in many cases Medicare plans (like Original Medicare) do not provide comprehensive vision coverage. If you have a Medicare plan that doesn’t provide comprehensive vision coverage, you can supplement it with a VSP Individual Vision Plan. And if you’re turning 65 this year and are looking for a Medicare plan, know that you can enroll in a VSP Individual Vision Plan in addition to your original Medicare coverage to make sure your eyes stay healthy.
Yes! One of the benefits of a VSP Individual Vision Plan is it works well with many Medicare plans. You can sign up for one of our plans at any time and start saving on the eye care and eyewear benefits you’ll receive within the next business day.
You can enroll any time of year; there's no waiting period for open enrollment.
Your eyes not only affect how you see, but how you feel, especially as you age. A routine eye exam can detect: <div class="card card-body ml-3 no-border"> <ul class="featured-frames"> <li style="width:100%;">Diabetes</li> <li style="width:100%;">High blood pressure</li> <li style="width:100%;">High cholesterol</li> </ul> </div> Caring for your vision can lead to a better quality of life, including: <div class="card card-body ml-3 no-border"> <ul class="featured-frames"> <li style="width:100%;">Fewer headaches</li> <li style="width:100%;">Improved night vision</li> <li style="width:100%;">Less computer eye strain</li> </ul> </div>