VSP Vision Insurance: What You Need To Know

VSP Vision Insurance

Do you have VSP Vision Insurance? Maybe you’re shopping for vision insurance and want to learn more about what VSP has to offer! In this article, I’ll provide you with exactly what you need to know about VSP Vision Insurance, including what it covers, who takes it, how much it costs, and more!

Interested in an individual or family VSP plan? Purchase one through VSP Direct!

What is Vision Service Plan (VSP)?

VSP is one of the largest vision care plans for individuals and businesses in the United States. The company has been around for over 60 years and prides itself on helping you see well, stay healthy, and maximize your individual potential. 

In addition, VSP can offer you significant savings on eye exams, contact lenses, and glasses. They also offer discounts on vision correction surgery (such as LASIK and PRK).


What does VSP cover?

Your eye health and vision are very important to how you live your daily life. Unfortunately, eyeglasses can be expensive! This is especially the case when you factor in certain features like anti-glare, UV protection, photochromic lenses, and premium progressives.

Depending on the VSP plan you select, you could have these important add-ons covered in full or at a discount. This helps you get the best bang for your buck without hurting your budget.

Eye exams

Did you know VSP has a provider network of over 36,000 doctors in the United States? As a result, they can provide you with access to high-quality eye care at a fraction of the cost. In fact, with VSP, there is a good chance you’ll only be responsible for only a small copay for your eye exam.

Frames and lenses

Depending on your plan, VSP may offer you an allowance (or a percentage discount) towards glasses. Furthermore, some plans provide you with an additional dollar amount off certain frame brands.

In fact, according to VSP, typical annual savings for their standard plan is over $200!

Contact Lenses

Coverage of contact lens fittings and contact lens materials are another feature of most VSP plans. With this in mind, you will have a copay for your contact lens fitting as well as a specific allowance to use towards purchasing contacts.

Note: As with all other vision insurances, you will have to choose to use your benefits towards glasses OR contact lenses.

On the VSP website or mobile app (Apple or Android), you are conveniently able to access all of your benefits. In addition, you are able to access special offers and gift card giveaways.

RELATED: VSP vs Community Eye Care

Are medically necessary contacts for dry eye or keratoconus covered by VSP?

If you have advanced dry eye or keratoconus, your optometrist may recommend medically necessary contacts lenses.

Fortunately, some VSP plans will cover your medically necessary contact lens fitting and contact lenses in full. If they don’t, you will be responsible for the service and contact lenses out of pocket. 

Does VSP cover diabetic eye exams?

Yearly comprehensive eye exams are very important for your overall eye health and wellness. This is especially the case if you have diabetes!

Unfortunately, diabetic retinopathy is the leading cause of blindness in individuals 40-65. As a result, early detection through an annual eye exam is very important.

Fortunately, some VSP plans cover a diabetic eye exam. Check your benefits to see if this is an added feature.

RELATED: Superior Vision Insurance: What You Need To Know

Does VSP cover refractive surgery (LASIK or PRK)? 

No. However, LASIK is offered at a small discount through the VSP Laser VisionCare Program benefit.

VSP Eye Doctor Locator
Source: vsp.com

How do I locate a VSP provider?

With over 36,000 providers, VSP has the largest independent eye care provider network in the United States. Doctors located at (some) private practices, Visionworks, Pearle Vision, MyEyeDr, and EyeCare Centers are typically in-network with VSP.

To find a VSP provider, pull up the VSP Eye Doctor Locator to research providers in your area. There you can specify a location, doctor, office name, preferred language, gender, type of doctor, frame brand, and premier status.

Using their locator, you’re able to filter doctors by the following criteria highlighted below.

New patients welcome

Find eye doctors that are accepting new patients.

Eye exam

Find eye doctors that provide comprehensive eye exams.

Advanced eye exam

Find eye doctors that can monitor changes inside your eyes with retinal imaging technology.

Extended hours

Find eye doctors that offer hours before 9:00 am, after 5:00 pm, or weekend hours (in some cases all 3).

Express eyewear

Find eye doctors that provide a quick turnaround for those in need of their glasses ASAP.

Laser vision care

Find a VSP Laser VisionCare Doctor who can determine if you are a good candidate for laser vision correction (including surgery coordination as well as pre-op and post-op care).

VSP helps you find doctors that provide vision therapy

Vision therapy

Find eye doctors who provide vision therapy to help improve visual skills and treat conditions that cannot be corrected with glasses or contacts (not a covered service by VSP).

Children ages 0-3 and 3-5

Find eye doctors who provide specialty eye exams and eyewear for children ages 0-3 and 3-5.

Preventative eye care

Find eye doctors in the VSP Eye Health Management Program for early detection of eye health conditions.

Special offers and savings

Find eye doctors who provide access to special offers and additional savings.

CareCredit credit card

Find eye doctors that accept CareCredit.


Find eye doctors that offer a wide selection of lenses and popular eyeglass frames.

Featured frame brands

Find eye doctors that carry frame brands that are eligible for an extra $20 toward your frames.

Unity Logo
Source: vsp.com

UNITY lenses

Find eye doctors that offer the latest in high-definition lens technology for less with UNITY digital lenses (a lens brand owned by VSP).

Contact lenses

Find eye doctors that offer a wide selection of popular contact lenses.

Hard-to-fit contacts

Find eye doctors who specialize in hard-to-fit contacts for specific vision conditions like keratoconus or dry eyes.

Otis & Piper eyewear

Find eye doctors who offer the Otis & Piper Eyewear Collection (a trendy, kid-friendly selection of affordable frames).

Safety/ProTec eyewear

Find eye doctors that offer ProTec Eyewear (safety frames that are tested and certified to meet current ANSI requirements).

Sports eyewear

Find eye doctors that offer a great selection of popular sports frames and lenses.

Low vision

Find eye doctors that provide treatment options for patients with low vision.

RELATED: EyeMed Vision Insurance: What You Need To Know

What if my provider is not in-network with VSP?

You are able to see any provider you would like, however, if the provider is out-of-network you may have to pay in full at the time of service and then submit your claim on your own for reimbursement.

Doctors located at (some) private practices, LensCraftersTarget Optical, Walmart Vision Center, Sears Optical, and JCPenny Optical are typically out-of-network with VSP.

Is VSP Vision Insurance right for you?


  • Has the largest independent eye care provider network in the United States (>36,000 providers)
  • Best plans can offer significant savings on eye exams, glasses, contact lenses, and elective vision correction surgery
  • Significant digital and over the phone customer support available to help assist you with all of your membership questions
  • Is one of the only insurances that offer a plan that covers premium progressive with premium anti-glare in full


  • More expensive for individual and family plans that are not company-sponsored
  • Does not always cover the newest lens technology (i.e. blue light filters)
  • Requires your eye doctor to use a VSP lab for lenses which (depending on the location of the lab) can increase the time it takes to make your glasses
  • Members are encouraged not to consider care at large retail chains that are out of network

How much does VSP cost?

VSP can vary in cost, especially if you are signing up as an individual or with a company. In general, company-sponsored plans tend to cost you (the employee) a lot less.

Also, there are an array of plans to sign up for which range $13/month for an individual standard plan to $80/month for a premium family plan.

Fortunately, you can sign-up online without any enrollment fees and start taking advantage of VSP benefits within 5 business days.

Interested in an individual or family VSP plan? Purchase one through VSP Direct!


In the end, taking care of your eye health and wellness should be at the top of your health priority list! With its large provider network, exceptional coverage, and extensive member resources, VSP Vision Insurance is one of the best vision insurances on the market!

Do you have VSP Vision Insurance? Leave your review in the comments below!