No matter where you are in life, we have a vision plan for you.
Standard
Save on everything from eye exams to glasses, including lens enhancements like progressives, scratch resistance, and tinting.
EasyOptions
All of our Standard benefits, plus choose one of these 3 money-saving upgrades.
Enhanced
Bigger savings for members with multiple lens enhancements and progressives.
EyewearOnly
Our perfect plan to save money on frames, and lenses without exams.
EyeHealth Focus
Bigger savings for AARP members with multiple lens enhancements and progressives.
EyewearOnly 150
Our perfect plan to save money on frames, and lenses without exams.
Once you see how much this plan offers, you’ll think it’s anything but standard. That’s because it helps you save on everything from eye exams to glasses, including lens enhancements like progressives, scratch resistance, and light-to-dark tinting. Even generous allowances on frames or contacts. It's our best plan for those looking for coverage for single-vision lens glasses.
We enrolled because we are self employed and it is very cost effective with great benefits for our family. I wish they had Dental.
I am thankful for this plan. It has saved me money and has been a God send for my vision. I lost my glasses and they were replaced at no charge. That was a blessing for sure. Thank You.
The vision plan offered by my supplement insurance was more expensive and offered less coverage. I have been with VSP for several years now and am extremely pleased with my plan.
If you want a plan that covers the basics, plus a whole lot more, EasyOptions is for you. Get the essentials, plus choose the covered upgrade that saves you the most at the doctor's office. Ideal for those who need progressive lenses or the flexibility to choose which upgrade is best.
All of our Standard benefits +
Choose one of three covered upgrades:
Enhanced Plan is our premium plan with premium benefits. Great for those who prefer low or no copays on multiple lens enhancements such as progressives, anti-glare, and impact and scratch resistant. With a higher monthly premium compared to our other plans, members can expect to pay less out-of-pocket at the eye doctor. With little to no copays, you'll see the savings add up.
All of our Standard benefits +
Focus on your eye health and more with the plan most popular with AARP members. This plan simplifies your care with $0 out-of-pocket for eye exams and a lower copay on retinal imaging. Additionally, low copays on progressive lenses and anti-glare coatings with a $200 frame allowance on any of our featured frame brands.
All of our Standard benefits +
*Digital retinal imaging uses high-resolution imaging systems to take pictures of the inside of your eye. This helps VSP network doctors assess the health of your retina and helps them to detect and manage eye and health conditions such as diabetes, glaucoma, hypertension, and macular degeneration. Finding retinal disorders as early as possible is critical to potentially preventing serious disease progression and even vision loss.
*Digital retinal imaging uses high-resolution imaging systems to take pictures of the inside of your eye. This helps VSP network doctors assess the health of your retina and helps them to detect and manage eye and health conditions such as diabetes, glaucoma, hypertension, and macular degeneration. Finding retinal disorders as early as possible is critical to potentially preventing serious disease progression and even vision loss.
For those who already have a current vision prescription and just need basic glasses, our EyewearOnly plan is an ideal way to save money on frames and lenses without paying a fee for an eye exam you don't need. Additionally, you'll save on our most popular lens enhancements, everything from progressives to light-to-dark tinting.
For those who already have a current vision prescription and just need basic glasses, our EyewearOnly plan is an ideal way to save money on frames and lenses without paying a fee for an eye exam you don’t need. Additionally, you'll save on our most popular lens enhancements, everything from progressives to light-to-dark tinting with a frame allowance of $200 on any of our featured frame brands.
Using a VSP Individual Vision Plan is easy. First, pick the vision plan that's right for you and the payment option that best fits your needs. Then, visit an eye doctor, (going in-network will help you get the most from your benefits) to receive an eye exam. If vision correction is needed, your eye doctor can provide you a prescription and help pick glasses or contacts to best fit your style. You pay your vision insurance copay at the eye doctor's office along with any added options outside of your VSP vision plan coverage. The eye doctor's office will take care of processing your benefit claims.
Yes! If you'd like to include your spouse or family members, please choose a two-person or family vision plan when you enroll. You can also buy an individual vision plan for a friend or family member who doesn't have vision coverage.
While VSP Vision Care does not coordinate benefits with other medical plans or benefits, you can use your vision plan in addition to your other health plans.
Making an eye exam appointment is easy. Go to Find a Doctor and pick any eye doctor you'd like. At your eye exam, tell them you have VSP vision insurance and they'll take care of the rest. To get the most out of your VSP vision plan benefits, visit a Premier Program practice.
When you visit a VSP network eye doctor, there are no claim forms to submit. If you choose to see an out-of-VSP network eye doctor or vision care provider, you may incur higher out of pocket costs and will have to submit a claim form and include any itemized receipts.
Large chain optical centers such as Costco, Sears, Walmart, Cohen's, etc. are not VSP in-network for vision plans sold on VSPDirect.com. Please be aware if you choose to go to an out-of-VSP-network provider, you'll have to submit the claims yourself and will be reimbursed at lesser out-of-network vision plan coverage amounts.
Typical savings for VSP members is $356!* There are different vision plan copays and coverage options depending on the VSP plan you choose. If you select a lens enhancement that isn't covered with a copay, you'll still receive 20% savings on that option at the eye doctor's office. Below you'll find an example of the typical VSP vision plan savings you can expect on an annual plan.
| Example Savings* | What You Would Pay | ||
|---|---|---|---|
| Without a plan | With a VSP plan | Savings | |
| Comprehensive Exam | $205 | $15 | $190 |
| Frames | $244 | $75 | $169 |
| Rx Lenses | $111 | $25 | $86 |
| Optional Lens Enhancements i.e. scratch resistant, anti-glare etc. |
$268 | $153 | $115 |
| Annual VSP Plan Cost | $204 | -$204 | |
| Total | $828 | $472 | $356 |
* Comparison based on national averages for comprehensive eye exams and most commonly purchased brands. This chart represents the typical savings for VSP members.
You can use your VSP Individual Vision Plan benefits the same day you enroll. There's no waiting period. After you enroll, you can start using your benefits immediately!
Yes, but if you use your plan out-of-network, you may incur higher out of pocket costs. You'll also need to complete a claim form and include any itemized receipts. Out-of-network coverage is not available in Massachusetts and Washington, and coverage varies in Maryland. If you have questions about out-of-network coverage, contact us at 800.785.0699.
John - Vision Consultant, 5 yrs
Let’s talk. We’re here to help.
Vision insurance is not something we think about every day, so we understand you may have some questions.
Speak with a vision consultant today.
Healthy vision association discounts
Some plans can only be accessed through membership in the Healthy Vision Association (HVA), which helps its members see well and stay healthy.
For $1.50/mo, your membership will give you access to exclusive discount programs* on everyday goods and services including:
Plus, your membership supports vision-related charities too.
Click to download full details
*All rebates and special offers are subject to change
Customer Reviews
Get some insights from our members to help you
I am an enrollee in the individual plan for VSP because I am a college student with a unique eye description: far-sighted in one and near-sighted in the other. I need the BEST coverage and VSP offers it.
I am very happy with everything about our eye care plan. It helps a lot to bring down the cost of new eyeglasses with a new prescription after a full eye exam and testing. Our provider is a mile away and great! Thank you.
I'm on disability, but while I was working I had coverage through your company and I loved it! Just this past July I was able to order myself a pair of new glasses and I absolutely love them.
We enrolled because we are on Medicare and needed eye care insurance. Once enrolled, we were able to get our eyes examined the next day! I would recommend VSP to anyone who needs eye care coverage.
I enrolled in the VSP plan because I do not have vision coverage through my employer. With my plan, I am able to purchase quality eye wear at an affordable price. The last 2 years I was even given a rebate after purchasing select eyeglasses. Eye exams are covered and I am able to choose a dr of my liking through VSP's large list of providers.
As a retired senior, the plan has helped me afford my yearly testing for glaucoma and cataracts, plus allows new frames and sunglasses! It's great!!
I had VSP through my employer, so I knew the value of the coverage. When I retired, I found the individual plan very reasonable. I wear daily contact lenses and I like that I get at least one box covered a year.
Plan worked well. Easily referenced and reviewed by my optometrist staff. No problems understanding coverage.
I am thankful for this insurance. I am a single mom with 2 kids and it covers what we need well since two of us have glasses.
I was happy that my eye doctor accepts the plan, eye wear and lenses are expensive, with the VSP plan I definitely had saved money.
I enrolled in VSP's plan for good eye care and wear. I get new lenses every 12 to 18 months. I get sunglasses and this year I purchased swimming glasses. Now I can see better when I go swimming instead of running a chance in damaging my regular glasses.
Enrolled once I went on Medicare & my supplement didn't have vision coverage. This plan is 1000 times better than the plan that covered me through my employer.
Got VSP when I retired. Over the last few years it had saved me thousands. Because of VSP I can keep up with my eye health, which is so important.