Vision Insurance FAQ

Direct Vision Insurance FAQ

Will VSP coverage save me money?

Yes, with VSP, you'll save. Without coverage, an exam and prescription glasses can cost $300 or more.

Do I need an ID card?

An ID Card, or Member Vision Card, isn't required for you to receive services or care. Simply call a VSP network doctor to schedule an appointment and tell them you're a VSP member. The doctor and VSP handle the rest!

If you wish to have a card, you can access your Member Vision Card under the My Benefits section of vsp.com. The card is a summary of your benefits and includes information to help you easily manage your vision benefits.

How do I verify my eligibility and plan coverage?

Register on vsp.com to:

  • View your coverage, including eligibility and copayment information
  • Find a VSP doctor near you
  • See details of previous VSP doctor visits and savings (when applicable)
  • Get instructions on how to use your benefit

Am I responsible for a copay when I visit my VSP network doctor?

Yes, if your group's VSP plan includes a copay, you will need to pay it to your doctor during your visit. Copays typically apply to both you and the dependents covered under your VSP plan. To access your copay information, log in to your vsp.com account. Then select "Benefits with VSP Network Doctors" from the left navigation.

What are some frame and lens options that may require out-of-pocket expenses?

When you visit a VSP network doctor, you may receive extra savings on some frame and lens options. Log in to your vsp.com account to check your plan information for details.

Examples of out-of-pocket expenses include:

  • Scratch-resistant coating
  • Anti-reflective coating
  • Ultraviolet (UV) protection
  • Progressive lenses
  • Blended bifocal lenses
  • Most tinted and photochromic lenses
  • Any frame valued at more than your plan's allowance

Am I limited to the kind of frames I can choose?

Your VSP frame benefit offers you the freedom to choose from a wide selection of frames that complement your lifestyle. If you choose a frame exceeding your plan allowance, you'll be responsible for paying the overage in addition to any applicable copays at the time of your visit.

Can I choose contact lenses instead of glasses?

Yes, if you choose contacts, you may not be eligible to receive any frame and lenses during the same service period. To find out if your plan allows this, log in to your vsp.com account. Then select "Benefits with VSP Network Doctors" from the left navigation.

Why isn't the contact lens exam covered as part of my routine eye exam?

The contact lens exam is a special exam in addition to your routine eye exam. This special contact lens exam ensures proper fit of your contacts and evaluates your vision with the contacts. Depending on your needs, a doctor will provide training and education based on the type of services and eyewear provided. You should discuss the services that your doctor provides to better understand the value of their contact lens exam, as well as the extent of the services necessary for your individual eye health.

Who do I contact if I have billing questions?

All billing questions should be directed to:

Franchise Benefit Solutions Administrative Services                                                                           

P.O. Box 3063                                                                                                                  

Farmington Hills MI 48333-3063

800-536-2230 Ext. 115