Vision Insurance Coverage

Your Direct Vision Insurance Coverage

When visiting a VSP doctor you'll receive:


  • Covered in full

Prescription glasses/lenses

  • Covered in full
  • Single vision, lined bifocal and lined trifocal lenses


  • Frames of your choice covered up to $130.
  • Plus 20% off any out-of-pocket costs.


  • When you choose contacts instead of glasses, your $130 allowance applies to the cost of your lenses and the fitting and evaluation exam. This exam is in addition to your vision exam to ensure proper fit of contacts

Extra Discounts and Savings

Laser Vision Correction Discounts

  • Learn about Laser Vision surgery and if it is right for you.

Prescription Glasses

  • Up to 20% savings on lens extras such as scratch resistant and anti-reflective coatings and progressives
  • 20% off additional prescription glasses and sunglasses 

Contact Lenses

  • Exclusive pricing on annual supplies of popular brands
  • 15% off cost of contact lens exam (fitting and evaluation) 

Your Copays

Plan A

  • Exam - $10 Copay Every 12 Months
  • Frames/Lenses - $15 Copay Every 24 Months
  • Contact Lenses - $15 Copay Every 24 Months

Plan B

  • Exam - $10 Copay Every 12 Months
  • Frames/Lenses - $25 Copay Every 12 Months
  • Contact Lenses - $25 Copay Every 12 Months

Out of Network

Dollar for dollar you get the best value from your VSP benefit when you visit a VSP network doctor. If you decide not to see a VSP doctor, copays still apply. You'll also receive a lesser benefit and typically pay more out-of-pocket. You are required to pay the provider in full at the time of your appointment and submit a claim to VSP for partial reimbursement. If you decide to see a provider not in the VSP network, call us first at 800-877-7195.

Out of Network Reimbursement Amounts

  • Exam - Up to $35


  • Single Vision - Up to $25
  • Bi-focal - Up to $40
  • Tri-focal - Up to $55
  • Frames - Up to $45
  • Contact Lenses - Up to $130

VSP guarantees service from VSP network doctors only. - In the event of a conflict between this information and your organization's contract with VSP, the terms of the contract will prevail.