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Cost & Coverage

Choose the VSP plan
that’s right for you!

Compare Plans

Overview

You can enroll in VSP® no matter which medical plan you choose. We’ll even coordinate your coverage with your medical or other vision coverage so you get the most for your money. Plus, you can use your Flexible Spending Account (FSA) for out-of-pocket expenses, including copays at your VSP provider’s office. VSP will submit your expenses for reimbursement for you.

Visit FSAFEDS.com to sign up for a FSAFEDS account today.

Enrollment Brochure


Savings

Because VSP is a not-for-profit vision care company, you'll get high quality care and low out-of-pocket costs. Savings are built into your plan, which means you'll experience great overall value on services.

VSP Standard Option

Save with VSP Coverage Without VSP With VSP Standard Option
Eye Exam $105 $10 Copay
Frame ($160 allowance*) $160 $20 Copay
Single Vision Lenses $90
Standard Anti-reflective Coating $78 $41
Shatter-resistant Lenses (Polycarbonate) $57 $0
Photochromic Adaptive Lenses $109 $70
Self-only Annual Premium
(pre-tax for employees)
$0 $92.88
Total Cost for Service $599 $233.88
Estimated Annual Savings: $365.12**
* 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 $90
UNITY Anti-reflective Coating $113 $0
Shatter-resistant Lenses (Polycarbonate) $57 $0
Photochromic Adaptive Lenses $109 $0
Self-only Annual Premium
(pre-tax for employees)
$0 $174.48
Total Cost for Services $674 $184.48
Estimated Annual Savings: $489.52**
* 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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Member Extras

When you enroll with VSP, you’ll get access to Exclusive Member Extras that include special offers available only to VSP members.

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 provider. 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.

I always knew books were important to me, but I never knew how important until I couldn't see the words on the page. I went to see a VSP doctor and got glasses for the first time. Now I can take part in one of life's simple pleasures.

~ Mary G.

I love all the new frames this year. If it wasn't for my VSP insurance I would NEVER be able to afford them. Now I have the latest style and quality, but instead of paying $800 for them, after VSP insurance, they were only $100! Thank you VSP!

~ Paula S.

My eyesight is getting poorer due to age—I'm 50! It's become impossible to read anything without using "readers," which I bought at the drugstore. My kids finally told me that I needed to update my look with something more hip. With my VSP plan, I got a pair of cool frames with quality reader lenses. Now I look stylish and can see! Thanks VSP!

~ Jane C.

I didn't know how bad my teenage son's sight was until we walked out of the VSP doctor's office with his new glasses. My son said "Oh wow, I didn't realize trees had individual leaves." I don't know how long his vision has been like this, but thank you, VSP, for allowing my son to see the real world.

~ Lynette A.

My daughter was struggling in school. I took her in for an eye exam and found out she needed glasses. A year later, her reading grade has drastically improved and she has the highest math grade in her class! Thanks to VSP and her eye doctor, she loves school again.

~ Heidi M.

Due to the cost of eye care without insurance, my family has neglected going to the eye doctor. My husband, daughter, and I all went to the doctor and got eye exams and new glasses. The balance for our glasses after our VSP coverage was only $55 for all three of us! That is great coverage, especially in this economy.

~ Pamela K.

I was hesitant to change how I handle my eye care. I decided to try my VSP vision coverage and couldn't be happier. I found a great eye doctor in my neighborhood and saved well over $400 on my exam and contacts.

~ Christopher L.

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