VSP Vision Care

time icon 7 min read update icon Sept. 20, 2019
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VSP is an excellent choice for vision insurance: as the only national not-for-profit vision insurance company, its plans offer great coverage for eye exams, frames and lenses, as well as contact lenses.

We should always be getting regular eye exams but, after the age of 50, they should be annual. Our eyes are a window into our general health, so keeping up with change is a good idea. With time, we are susceptible to age-related eye diseases that we should identify as early as possible to minimize their impact on our eyesight. Cost is often the factor cited for why we do not have eye examinations. Enrolling in vision insurance can help keep eye care costs affordable. VSP is a highly rated company that offers great plans, as well as other opportunities for saving money on various services.

Grandfolk Scoring
Price 7/10
Deductible 10/10
Copay 8/10
Ease of enrollment 10/10
Access to support 7/10
Coverage 10/10
Limits to coverage 10/10
Waiting period 10/10
Physician choice 8/10
Payment 10/10
Monthly premium
Varies by the state in which you reside; policies are annual but can be paid for in monthly installments
Do you have one?
Do you pay one?
Yes, $0-$25, depending on plan
Ease of enrollment
Ways you can enroll?
Online or by phone
Access to support
Availability to help?
7 AM-7 PM CST Mon-Fri by phone and online chat
What services are covered?
Comprehensive eye exam and, depending on plan, frames and lenses, or contact lenses; LASIK may be available
Limits to coverage
Annual maximum payment?
Within network, no limit
Waiting period
How long until use?
Five business days after enrolling
Physician choice
Access to current doctor?
Yes, but if current doctor is not in network, you will need to submit claims for reimbursement and may pay more out of pocket
Types of payment accepted?
Credit card or automatic withdrawal from checking
Age Score:
50-64 Years
65-74 Years
75-84 Years

Many people have vision insurance through their employer. Once retired, however, they will not have that option. Medicare does not cover most routine vision expenses. Therefore, it is important to find insurance that covers annual eye exams and provides discounts on frames and lenses to keep eye care affordable. Vision insurance is a wise investment for all seniors and becomes even wiser as we age. Regular eye exams can spot the onset of other health problems, like diabetes or high blood pressure, as well as age-related eye diseases such as macular degeneration. If you are not computer savvy or if going online becomes difficult for any reason, you can call the company weekdays during normal business hours. This may limit access to assistance for older seniors.

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VSP offers affordable plans for seniors, many of whom are on a fixed income. Having access to eye care removes one more stress as our health declines. The company’s website also provides access to information for those with diabetes, and savings on diabetes supplies through its VSP Simple Values Plan. VSP’s over 36,000 U.S. providers make it easy to find providers in most cities, so seniors with health or mobility restrictions do not have far to travel for services. Easy access to comprehensive eye exams also means you can monitor more than your eyesight: because other issues can be picked up by your eye doctor, you can monitor your general health as well.


  • VSP’s website is robust and includes advice on fitness and nutrition, eye diseases, eye protection, eye care for adults and seniors, as well as a portal for monitoring your account and checking your benefits.
  • Certain VSP providers can participate in the Premier Program, which allows them to provide personalized attention to your needs; these providers can be identified on VSP’s website.
  • In-network providers do all the paperwork for your exam and glasses.
  • Some plans come with membership in the Healthy Vision Association, which offers exclusive discount programs on goods and services. You can also find coverage for hearing aids and LASIK procedures.
  • Some plans include savings via the VSP Simple Values Plan, which offers discounts on travel, diabetic care supplies and prescription drugs.


  • Exams are covered only once every 12 months, which is less frequent than some insurers. (Some insurance plans allow unlimited visits for exams.)
  • In some states, there may be only one plan offered, which limits the choices for coverage.
  • Copays and premiums are higher than with other vision insurance companies.

Bottom Line:

VSP is a well-regarded company providing vision coverage to individuals and families. Premiums start at $17/month, which is higher in comparison to other companies, but the company offers plans that cover annual exams, glasses or contacts with relatively small copays. Clients have access to a variety of frames from well-known brands, such as Calvin Klein, Lacoste, Nautica and Nine West. VSP also offers access to various savings plans like the Simple Values Plan, which offers discounts on diabetic supplies, educational materials and prescriptions; and membership in the Healthy Vision Association which gives you access to discounts on vitamins, rental cars, UPS deliveries and gym memberships. Overall, VSP is a good choice for seniors looking for flexibility and who do not mind paying a little more.

Frequently Asked Questions:

What is the copay? The copay for an exam is $15 and for glasses is $25.

How and when can I get in touch if I have questions? You can call them at the number listed on their website. You can also chat with them online through a chat window. The hours are 7 AM-7 PM CST Mon-Fri, but there are no weekend hours. 

If I sign up, are there any other benefits offered? Once you are a member, you will be able to access a Simple Values discount program that gives you savings on travel, family fun, discounts on diabetic care supplies and prescriptions, 24/7 access to a doctor via phone or video, access to medical bill analysis and assistance with payment negotiations, among other things. 

More Information:

Product Details

Overview: In most states, VSP offers three plans. All plans cover the comprehensive eye exam after a $15 copay. All cover glasses, and lenses or contact lenses every 12 months. Glasses have a $25 copay. Each plan also offers access to a savings plan that can cover laser vision correction, hearing aids or a rebate on contact lenses, among other options.

Package Details: With the VSP Standard Plan, you can choose from a wide variety of brand-name frames, and you get an extra $20 to spend if you choose a featured frame brand (subject to change). The plan covers single-vision, lined bifocals or trifocals. You can also get lens enhancements, like scratch-resistant coating, anti-glare coating, progressive lenses or adaptive lenses (change from light to dark) for a modest additional cost. If you choose contact lenses instead of glasses, you receive a $150 allowance. The VSP EasyOptions Plan allows you to choose a custom benefit that suits your needs during your doctor’s appointment. For example, you can choose a $150 frame allowance, plus fully covered no-line progressives, or an increased frame allowance of $230, or an increased allowance toward contacts and contact evaluation/fitting. The Enhanced Plan covers frames and lenses like the other plans, but lens enhancements have either no copay or a low copay. Allowances for other services are also higher.

Other Services: VSP offers exclusive member extras, such as savings on diabetic supplies and prescriptions, discounts on hearing aids and batteries, and access to diabetes educational materials. They also offer a Simple Values discount program which gives members savings on travel, family fun and access to medical bill analysis and assistance with payment negotiations.

Additional Company Details

Contract Details: All VSP vision plans are annual, but you can opt to pay the premium in 12 monthly installments. VSP will provide a full refund within the first 30 days of enrollment, as long as no benefits have been used. Your satisfaction is 100 percent guaranteed, but if you want to cancel after 30 days, you must still pay for a full year of coverage. VSP does not refund payments. Your plan is usually set to renew automatically, so you need to notify the company in writing that you will not continue with the plan.

Warranty: VSP guarantees your satisfaction. If you are not completely happy with the eye care and eyewear you receive from a VSP doctor, the company will make it right. 

Accreditations: VSP was recognized by J.D. Power and Associates by ranking the company “Highest in Member Satisfaction Among National Vision Plans” for three years, 2004-06. VSP has not received accreditation by the Better Business Bureau but has an A+ rating on BBB’s website.

Company Details: VSP began in 1955 when a small group of optometrists wanted to provide access to affordable, high-quality eye care to the world. They formed the first vision benefits company, California Vision Services, which became VSP. The company ensures approximately 25 million Americans. It has been very responsive in cases of natural disasters. VSP also gives back through an organization called Eyes of Hope, a global charitable fund that financially supports eye health and vision-related projects around the world. It has provided access to no-cost eye care and eyewear to more than 1.6 million people worldwide.

Contact Information

Headquarters: VSP 3333 Quality Dr. Rancho Cordova, CA 95670 800-852-7600 VSP® Individual Vision Plans 7400 Gaylord Parkway Frisco, TX 75034 800-785-0699

Donna McDurfee - Senior Advisor

Donna is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.


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