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What do I get?

Breaking down our plans for you.

Take a look at what you'll get with a VSP individual or family insurance plan:

  • Great savings on eye exams (covered with most plans)
  • A dollar allowance (amount varies by plan) toward glasses and/or contacts
  • Top-quality lenses covered after your affordable copay
  • Savings on optional lens enhancements (features like scratch resistance, anti-glare, progressive (no-line multifocal), and light-to-dark tinting)



In addition to evaluating your vision, an eye exam can help you detect general health issues well before other signs become apparent. Early detection of issues like diabetes or hypertension means you can more easily manage them before they become bigger problems.



Read the frequently asked questions below to learn more.

You only get one set of eyes. A vision plan from VSP will help you take care of them and save 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.
VSP is different from other types of insurance you might be used to. Take car insurance, for example — you hope you never have to use it. But with vision insurance, you actually want to use it because it will save you money on expenses you already know are coming. With VSP, you'll receive services at rates well below walk-in prices, and you don't even need an ID card — any VSP doctor can access your plan coverage. All you have to do is make your appointment, get your exam, select your frames and lens options, and the doctor's office will take care of the rest. You pay any copays or overage right there at the doctor's office, and you're done. It's that simple. And don't forget: you can use your Health Savings Account (HSA) for out-of-pocket costs at the doctor's office. You can choose a vision insurance plan for individuals or to cover you and a dependent or to cover the whole family (children under 27 or disabled at any age). Each member gets the same great coverage.
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.

Comprehensive Exam $168 $15 copay $153
Frames $206 $45 $161
Rx Lenses
Single, multifocal
$92 $25 copay $67
Optical Lens Enhancements
such as scratch resistance,
anti-glare, etc.

See the detailed savings (here)
$171 $100 $71
VSP Plan Premium $232 -$232
Total $637 $417 $220

* Comparison based on national averages for comprehensive eye exams and most commonly purchased brands. This chart represents a typical savings for VSP members.

Annual Savings $246 With VSP® After plan cost

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 Find A Doctor and enter your ZIP code.
You can start using your benefits the next business day when you select the same month enrollment.

Whether you’re looking for classic frames or trendy styles, 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. Plus, we offer an additional $20 to spend on these frame brands:

Our vision plans provide savings on many lens enhancements

  • Scratch-resistant coating – A clear coating that is less likely to scratch than uncoated lenses.
  • Anti-glare (anti-reflective) coating – 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.
  • Impact-resistant lenses – Lenses built from polycarbonate material, which is up to 10 times stronger than glass or plastic lenses.
  • Progressive (no-line multifocal) lenses – Progressive lenses are line-free, and their prescription strength gradually changes from distance to intermediate to near vision.
  • Light-to-dark (photochromic adaptive) lenses – Light-sensitive lenses that darken when exposed to sunlight and lighten when sun exposure is reduced.
  • UV protection – A lens treatment that absorbs the harmful portion of UV light found in sunlight.
  • High-index lenses – These thinner, lighter lenses are designed to improve comfort and attractiveness for those with high prescriptions.
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.
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 800.785.0699.
While we do not offer month-to-month plans, we do offer the option to break your annual rate into 12 installments paid monthly. If you choose the monthly payment option, you'll be paying for your annual policy in 12 equal installments regardless of when benefits are utilized. Installments will be automatically processed each month on or around the date selected by the member (5th, 10th, 15th or 20th).
To speak with our award-winning customer service team, call 800.785.0699 and we'll be happy to help you. Our service center is open Monday through Friday from 7 a.m. to 7 p.m. Central Time.
You only get one set of eyes. Take care of them.

Your eyes not only affect how you see, but how you feel. Caring for your vision can lead to a better quality of life, including:

  • Fewer headaches
  • Better performance at school
  • Less computer eye strain
  • More effectiveness at work
  • Better performance in sports

It all starts with an eye exam.