VSP Individual Vision Plans FAQ: Vision Plan Use


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.

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.

Making an appointment is easy. Go to Find a Doctor 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.

There are different copays and coverage options depending on the plan you choose. If a lens enhancement isn’t covered with a copay, you’ll still receive 20% savings on that option at the eye doctor’s office. Below you’ll find an example of the typical savings you can expect on an annual plan.

Example Savings* What You Would Pay  
Without a plan With a VSP plan Savings
Comprehensive Exam $194 $15 $179
Frames $230 $64 $166
Rx Lenses $107 $25 $82
Optional Lens Enhancements
i.e. scratch resistant, anti-glare etc.
$207 $116 $91
Annual VSP Plan Cost $204 -$204
Total $738 $424 $314

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




After plan cost

After you enroll, you can start using your benefits immediately!

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 800.785.0699 for assistance.

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