No matter where you are in life, we have a vision plan for you.
Standard
Save on everything from eye exams to glasses, including lens enhancements like progressives, scratch resistance, and tinting.
EasyOptions
All of our Standard benefits, plus choose one of these 3 money-saving upgrades.
Enhanced
Bigger savings for members with multiple lens enhancements and progressives.
EyewearOnly
Our perfect plan to save money on frames, and lenses without exams.
EyeHealth Focus
Bigger savings for AARP members with multiple lens enhancements and progressives.
EyewearOnly 150
Our perfect plan to save money on frames, and lenses without exams.
Once you see how much this plan offers, you'll think it's anything but standard. That's because it helps you save on everything from eye exams to glasses, including lens enhancements like progressives, scratch resistance, and light-to-dark tinting. Even generous allowances on frames or contacts. No wonder it's our most popular plan.
I'm enrolled in VSP because I'm retired. The last pair of glasses I got I paid only fifty dollars on them. I was extremely satisfied with my policy. My wife paid the same also. The only reason we had to pay any additional was we had protection added to our lenses.
I am so thankful to have this vision insurance. I've had great experiences with this plan and how it has helped my family and myself have the best vision possible. I have a family history of eye issues. My mom lost her vision, due to a bleed in her optic nerve in her late 80's, and I want to be sure I get mine taken care of so I can be monitored for anything similar.
I'm so glad I have my VSP plan. I'm able to get my annual eye exam, nice frames and prescription lenses at an affordable price.
If you want a plan that covers the basics, plus a whole lot more, EasyOptions is for you. Get the essentials, plus choose the covered upgrade that saves you the most at the doctor's office. Ideal for those who need progressive lenses or the flexibility to choose which upgrade is best.
All of our Standard benefits +
Choose one of three covered upgrades:
Enhanced Plan is our premium plan with premium benefits. Great for those who prefer low or no copays on multiple lens enhancements such as progressives, anti-glare, and impact and scratch resistant. With a higher monthly premium compared to our other plans, members can expect to pay less out-of-pocket at the eye doctor. With little to no copays, you'll see the savings add up.
All of our Standard benefits +
Focus on your eye health and more with the plan most popular with AARP members. This plan simplifies your care with $0 out-of-pocket for eye exams and a lower copay on retinal imaging. Additionally, low copays on progressive lenses and anti-glare coatings with a $200 frame allowance on any of our featured frame brands.
All of our Standard benefits +
*Digital retinal imaging uses high-resolution imaging systems to take pictures of the inside of your eye. This helps VSP network doctors assess the health of your retina and helps them to detect and manage eye and health conditions such as diabetes, glaucoma, hypertension, and macular degeneration. Finding retinal disorders as early as possible is critical to potentially preventing serious disease progression and even vision loss.
*Digital retinal imaging uses high-resolution imaging systems to take pictures of the inside of your eye. This helps VSP network doctors assess the health of your retina and helps them to detect and manage eye and health conditions such as diabetes, glaucoma, hypertension, and macular degeneration. Finding retinal disorders as early as possible is critical to potentially preventing serious disease progression and even vision loss.
For those who already have a current vision prescription and just need basic glasses, our EyewearOnly plan is an ideal way to save money on frames and lenses without paying a fee for an eye exam you don't need. Additionally, you'll save on our most popular lens enhancements, everything from progressives to light-to-dark tinting.
For those who already have a current vision prescription and just need basic glasses, our EyewearOnly plan is an ideal way to save money on frames and lenses without paying a fee for an eye exam you don’t need. Additionally, you'll save on our most popular lens enhancements, everything from progressives to light-to-dark tinting with a frame allowance of $200 on any of our featured frame brands.
Using a VSP Individual Vision Plan is easy. First, pick the vision 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 an eye exam. If vision correction is needed, your eye doctor can provide you a prescription and help pick glasses or contacts to best fit your style. You pay your vision insurance copay at the eye doctor's office along with any added options outside of your VSP vision plan coverage. The eye doctor's office will take care of processing your benefit claims.
Yes! If you'd like to include your spouse or family members, please choose a two-person or family vision plan when you enroll. You can also buy an individual vision 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 your vision plan in addition to your other health plans.
Making an eye exam appointment is easy. Go to Find a Doctor and pick any eye doctor you'd like. At your eye exam, tell them you have VSP vision insurance and they'll take care of the rest. To get the most out of your VSP vision plan benefits, visit a Premier Program practice.
When you visit a VSP network eye doctor, there are no claim forms to submit. If you choose to see an out-of-VSP network eye doctor or vision care 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 VSP in-network for vision plans sold on VSPDirect.com. Please be aware if you choose to go to an out-of-VSP-network provider, you'll have to submit the claims yourself and will be reimbursed at lesser out-of-network vision plan coverage amounts.
Typical savings for VSP members is $356!* There are different vision plan copays and coverage options depending on the VSP plan you choose. If you select a lens enhancement that 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 VSP vision plan savings you can expect on an annual plan.
| Example Savings* | What You Would Pay | ||
|---|---|---|---|
| Without a plan | With a VSP plan | Savings | |
| Comprehensive Exam | $205 | $15 | $190 |
| Frames | $244 | $75 | $169 |
| Rx Lenses | $111 | $25 | $86 |
| Optional Lens Enhancements i.e. scratch resistant, anti-glare etc. |
$268 | $153 | $115 |
| Annual VSP Plan Cost | $204 | -$204 | |
| Total | $828 | $472 | $356 |
* Comparison based on national averages for comprehensive eye exams and most commonly purchased brands. This chart represents the typical savings for VSP members.
You can use your VSP Individual Vision Plan benefits the same day you enroll. There's no waiting period. After you enroll, you can start using your benefits immediately!
Yes, but if you use your plan out-of-network, you may incur higher out of pocket costs. You'll also 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. If you have questions about out-of-network coverage, contact us at 800.785.0699.
John - Vision Consultant, 5 yrs
Let’s talk. We’re here to help.
Vision insurance is not something we think about every day, so we understand you may have some questions.
Speak with a vision consultant today.
Healthy vision association discounts
Some plans can only be accessed through membership in the Healthy Vision Association (HVA), which helps its members see well and stay healthy.
For $1.50/mo, your membership will give you access to exclusive discount programs* on everyday goods and services including:
Plus, your membership supports vision-related charities too.
Click to download full details
*All rebates and special offers are subject to change
Customer Reviews
Get some insights from our members to help you
My daughter recently needed glasses and the benefits I have through VSP made it possible for us to purchase not one, but two pairs of glasses for her before school started. Thank you!
I'm retired and I had the plan when I was an employee at the hospital so I continued the plan afterwards. It works out great for me.
I have been with VSP for a great amount of years. I had it thru my employer and company folded, but I still keep it and pay for each month. I have not had any problems with getting an eye exam and also paying for glasses. It is great with the amount they give you to spend.
I wear progressives and VSP saves me money on the lens, the special coatings and frames. I also save on the annual exam. The doctor's office knows VSP and explains my benefits so I get the best deals on glasses. I pay about a third of what I would have to pay out of pocket.
I have found everything about VSP is great. I've been with them for years.
I had VSP through my employer so when I retired I chose to buy my private policy because of the value.
I started purchasing my own VSP vision coverage because #1 was cheaper than thru my employer; #2 I could go after January 1st every year (did not have to wait one full year between eye exams); #3 could get new frames every year (instead of every other year). Also save a lot on out of pocket expense on new glasses, even though I have the cheaper plan. Worth every penny !!!! Highly recommend!
I really appreciate the help with my eye care and the ease of getting my prescription for my glasses. Thanks for your care and coverage.
I retired and had no eye care. When I started my Social Security, I knew I had to find some insurance since I wear glasses. I researched some carriers and decided I'd go with something I knew. I had VSP while working and was happy to find I could get individual coverage. They have saved me a few hundred dollars already this year. I would tell anyone looking for eye care coverage-check out VSP. They have various levels of coverage to choose from and it is well worth the premium.
My VSP plan allows me to continue with my doctor and there glasses. Without VSP, the costs would cause most to move away to a more discount eye care and lose the premium eye care they could receive.
Have had this plan for years. Always saves me money, but best of all a very established and beyond excellent doctor takes VSP!
This is a great plan. Saves me a lot of money cause I live on a fixed income. Couldn't ask for anything better.
Took VSP insurance because my employer had offered VSP. So once I retired it was natural for me to enroll in VSP insurance. So many eye care centers accept VSP insurance in my area that it makes it easy to use. Highly recommend VSP eye insurance to anyone.