VSP and Community Eye Care (CEC) are two of the top vision insurances available in the United States. With this in mind, time will tell what each insurance offers as VSP recently purchased Community Eye Care.
If you have or are looking to purchase vision insurance, you may be wondering what makes these insurances unique. In this article, you’ll learn about the similarities and differences of VSP and Community Eye Care (including how they compare in cost).
How are VSP and Community Eye Care similar?
First off, both VSP and Community Eye Care are taken by various practice modalities (i.e. private, corporate, etc.). As mentioned above, both vision insurances now fall under the VSP company umbrella. While Community Eye Care continues to operate independently from VSP, only time will tell on if/how this will change.
Next, both VSP and Community Eye Care offer members significant savings on eye exams, contact lenses, and glasses. They also offer discounts on vision correction surgery (such as LASIK and PRK). In fact, VSP does through the VSP Laser VisionCare Program while Community Eye Care does through TLC Laser Eye Centers.
If you’re looking for medically necessary contact lens coverage, VSP has plans with this benefit available while Community Eye Care requires you to use your allowance towards this service. In most cases, the Community Eye Care allowance does not cover the full cost of a medically necessary contact lens fit and materials.
How are VSP vs Community Eye Care different?
The biggest difference between VSP and Community Eye Care is the material coverage for contact lenses and glasses. VSP has multiple plans with various material coverage options while Community Eye Care provides members with a set material allowance (typically around $200).
With Community Eye Care, 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 then submit your claim on your own for reimbursement. Fortunately, all members still receive their full benefits under Community Eye Care’s out-of-network policy. This is not always the case with VSP.
Lastly, VSP has a much large doctor network than Community Eye Care. Again, since VSP now owns Community Eye Care, this is subject to change.
The cost for VSP varies depending on what plan you choose and how you sign up (as an individual or with a company). In general, company-sponsored plans tend to cost you (the employee) a lot less.
For VSP, 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.
On the other hand, Community Eye Care is only available through employers, associations, and health plans. As a result, individuals plans are not available and member cost varies depending on the package your employer, association, or health plan is associated with.
In the end, VSP and Community Eye Care are both strong vision insurances. If your company provides either of these vision insurances as an option, you’re in luck. However, only VSP can be purchased on the open market, making it a more accessible option to the masses.