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Cost & Coverage

Choose the VSP plan
that’s right for you.

Help Me Choose

Overview

As a Federal Employee or Annuitant, you’ll enjoy access to care from great eye doctors, quality eyewear, and the affordability you deserve. Choose the Standard Option or select the High Option for enhanced benefits. Plus, you can enroll in VSP no matter which medical plan you choose. You can use your Flexible Spending Account (FSA) for out-of-pocket expenses, including copays at your VSP network doctor’s office. VSP will submit your expenses for reimbursement for you. Visit FSAFEDS.com to sign up for a FSAFEDS account today.

View Coverage Details


Savings

Because VSP is a not-for-profit vision care company, you’ll get access to high-quality care and low out-of-pocket costs. You’ll experience great overall value on services with savings built into your plan—no matter which one you choose. Both plan options provide you with benefits you’ll use and love. 

VSP Standard Option

Save with VSP Coverage Coverage Without VSP With VSP Standard Option
Eye Exam $105 $10 Copay
Frame ($160 allowance*) $160 $20 Copay
Single Vision Lenses $92
Standard Anti-reflective Coating $114 $41
Shatter-resistant Lenses
(Polycarbonate)
$57 $0
Photochromic Adaptive Lenses $111 $70
Self-only Annual Premium (pre-tax for employees) $0 $91.56
Total Cost for Service $639 $232.56
Estimated Annual Savings: $406.44**
* Enjoy a higher frame allowance when you purchase a featured frame brand. VSP's Standard Option plan comes with a $120 or $160 frame allowance. Get a $120 frame allowance toward the purchase of any frame brand, or get a $160 frame allowance on a featured frame brand. Click here to see a list of featured frame brands.

** Comparison based on national averages for comprehensive eye exams and most commonly purchased brands. Savings apply when you see a VSP network doctor.

VSP High Option

Save with VSP Coverage Without VSP With VSP High Option
Eye Exam $105 $10 Copay
Frame ($200 frame allowance*) $200
Single Vision Lenses $92
Unity Anti-reflective
Coating
$114 $0
Shatter-resistant Lenses
(Polycarbonate)
$57 $0
Photochromic Adaptive Lenses $111 $0
Self-only Annual Premium
(pre-tax for employees)
$0 $173.16
Total Cost for Services $679 $183.16
Estimated Annual Savings:$495.84**
* Enjoy a higher frame allowance when you purchase a featured frame brand. VSP's High Option plan comes with a $150 or $200 frame allowance. Get a $150 frame allowance toward the purchase of any frame brand, or get a $200 frame allowance on a featured frame brand. Click here to see a list of featured frame brands.

** Comparison based on national averages for comprehensive eye exams and most commonly purchased brands. Savings apply when you see a VSP network doctor.
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Exclusive Member Extras

As a valued member, you’ll enjoy exclusive member-only offers available from leading industry brands, totaling more than $2,500 in savings

Exclusive Member Extras

Out-of-Network

See how much you'll be reimbursed when you see an out-of-network provider.

Service Standard Reimbursement International Reimbursement
Eye Exam Up to $45 Up to $65
Single Vision Lenses Up to $45 Up to $55
Lined Bifocal Lenses Up to $65 Up to $75
Lined Trifocal Lenses Up to $85 Up to $95
Lenticular Lenses Up to $125
Frame Up to $47 Up to $120
Contact Lenses Up to $105
Limited Access Area

If you live in an area that doesn't have adequate access to a VSP network provider and you receive covered services from an out-of-network provider, VSP will reimburse you up to the plan allowance. You are responsible for any difference between the amount billed and VSP's payment.

International

VSP is a nationwide vision plan and doesn't have network providers overseas. Visit any international eye care provider and you'll be reimbursed 75% of billed charges up to the amounts shown to the left.

Filing an Out-of-Network Claim

There are no claim forms to submit when you see a VSP network doctor. If you go out-of-network, simply file your claim online.

How do I file via mail?

My VSP eye doctor took longer than usual examining my eyes. My eye doctor informed me that I had a gray ring around my cornea, which is a sign of high blood pressure, and referred me to see my primary care physician. My PCP confirmed the diagnosis and provided treatment. I'm truly convinced that you can definitely find health problems through an eye exam.

~ Nancy L.

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