Vision Insurance FAQ: Frame, Lens & Contact Lens Benefits

It goes without saying that vision insurance gives you real savings compared to being uninsured — so much so that you can see the difference. If you’re new to VSP’s vision insurance plans or are looking into becoming insured, you may have specific questions regarding frame, lens and contact benefits. We’ve made a list of frequently asked questions that will help you discover the benefits of a VSP vision insurance plan:

How does a frame allowance work?

VSP Individual Vision Plans allow you to get new frames and lenses every 12 months. This means you can redefine your look and style every year. No matter what your style is, here’s how it breaks down in terms of price:\

 - There’s a $25 copay for prescription glasses  

 - Single vision, lined bifocal and lined trifocal lenses are all covered by your VSP coverage and your copay 

 - For specific additional lens enhancements, here’s a look at your out-of-pocket copays:

 - Progressive lenses (standard, premium, custom): $0-175

 - Anti-glare (anti-reflective coating): $41 – $85

 - Light-to-dark lens tinting (photochromic adaptive lenses): $70 – $82

 - Impact-resistant (polycarbonate) lenses: $31 – $35

 - Scratch-resistant coating: $17 – $33

 - Tinted (colored) lenses: $15 – $17

 - UV protection: $16

What kind of frames can I select with my vision insurance benefits?

You can buy any frames that catch your eye. For frames, you get a $150 allowance, plus 20% savings on any amount over that allowance. This means you can select any frames within that price range, or you can buy more expensive frames and the $150 will go toward that cost.

You also get an extra $20 to spend, on top of your frame allowance, when you purchase from the featured frame brands.* Before you purchase, be sure to ask your VSP network doctor about qualifying frame brands. If you need more than one frame, with VSP vision insurance you save an additional 20% on additional glasses and sunglasses from any VSP doctor within 12 months of your eye exam.

What is a contact lens fitting exam?

This type of exam is different from a regular eye exam and is especially meant for contact lens wearers. During this eye exam, your VSP network doctor will ensure that the lenses are fitting both eyes properly and that the contact lenses are not harming your eyes in any way.

How can I use my elective contact lens allowance?

Instead of buying frames, you can purchase new contact lenses every 12 months. However, the difference is you don’t have a copay if you opt for contact lenses instead of glasses. You still get a $150 allowance, which you can use to purchase contacts and the contact lens exam (see question above). Once you have your contact lens fitting exam, your VSP network doctor will let you know what types of contact options are available to you.

What are non-elective (medically necessary) contact lenses?

There are certain eye conditions that can only be corrected by contact lenses. Non-elective contact lenses, also called medically necessary contact lenses, are prescribed by your optometrist to correct these types of eye problems, whereas elective contacts are chosen by the patient to correct an eye condition that eyeglasses or sometimes laser surgery can also correct. Your eye doctor will let you know if you need non-elective contact lenses. These types of contacts are not covered by a VSP Individual Vision Plan.

*Brand and promotions are subject to change.

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