Individual Plan vs. Employer Coverage

While many people get their vision benefits through an employer, a growing number of people rely on Individual Vision Plans to meet their needs when they retire, start their own business, or find themselves without coverage. Is there a difference between these plans? Yes! But both options provide access to great care and savings on eye wear. Let’s take a look.

Finding vision coverage through individual and employer-based plans

Vision insurance is key to maintaining good eye health, as annual eye exams may detect early warning signs of various health conditions. How can you access vision coverage? Some people  have the option to enroll in vision coverage through their employer or employer sponsored exchange. It’s important to review your benefits each year during Open Enrollment to make sure you’ve got the coverage you need for you and your family. However, for retirees, or those in-between jobs, an Individual Vision Plan is ideal. You may also need an Individual Vision Plan if you’re self-employed or work part-time for an employer that doesn’t offer vision coverage.

Paying for your vision plan

Through VSP, you can pay for an Individual Vision Plan as a total annual rate, or you can break your annual rate into 12 monthly installments. With VSP Individual Vision Plans the payment comes directly from your bank account. Premiums are usually lower with employer plans because employers subsidize some or even all the cost. With an Individual Vision Plan you’re responsible for premium costs. Continuing your coverage is easy through both individual and employer plans. VSP Individual Vision Plans automatically renew each year, with an advance reminder, in case you want to change something.

Discovering your doctor network

With VSP, you’ll find convenient locations with eye doctors that meet our high standards. VSP has the largest independent network of eye doctors in the country, so you’re sure to find qualified eye doctors near you.

Your vision. Your way.

Not covered for vision? Get an individual plan, customized for you – including where you want to use it: at the doctor, in a retail location, or even online.

VSP Benefits & Savings

Build Your Plan

Lighten Up: Understanding Basic Optics

Eye Exam >

Lighten Up: Understanding Basic Optics

Historically, crude lenses were made by cutting glass spheres in half, resulting in reading stones that could be used to magnify text for readers wi...

What Eye Problems Should I Take Seriously?

Eye Problems >

What Eye Problems Should I Take Seriously?

There are a wide range of eye problems people can experience throughout their life span. Some eye problems develop at a certain age and others can d...

Travel Trivia

Interactive Fun >

Travel Trivia

Where are some of the world’s most unusual travel destinations? Take the quiz to find out.