Cost and Coverage
Want to understand your potential out-of-pocket expenses before your eye exam? Get an estimate of what you can expect to spend and the savings your VSP coverage provides with our calculator.
A Look at Your VSP Coverage
Get great savings to help make sure you see all the moments you won’t want to miss. Enroll in VSP® vision benefits to access the quality eye care you need with the value and savings you deserve. Choose the Standard Option or select the High Option for enhanced benefits. Save even more when you visit a VSP Premier Edge™ location! You'll get the same great benefits in-network, but with a $0 exam copay, savings on lenses, lens enhancements and frames, and the addition of a worry-free eyewear guarantee.
2025 Savings
Get great eye care with a hefty side of savings! Both plan options provide you with benefits you’ll use and love.
VSP Standard Option
| Save with VSP Coverage | Without VSP | With VSP | With VSP Premier Edge |
|---|---|---|---|
| Eye exam | $205 | $10 Copay | $0 |
| Prescription glasses copay | N/A | $20 Copay | $20 |
| Frame ($200 allowance*) | $200 | $0 | $0 |
| Single vision lenses | $111 | $0 | $0 |
| Anti-reflective coating | $155 | $85 | $85 |
| Impact-resistant lenses | $63 | $0 | $0 |
| Light-reactive lenses, such as SunSync® | $136 | $75 | $75 |
| Self-only annual premium (Pre-tax for Employees) | N/A | $93.12 | $93.12 |
| Total | $870 | $283.12 | $273.12 |
| Savings: $586.88 | $596.88 | ||
VSP High Option
| Save with VSP Coverage | Without VSP | With VSP | With VSP Premier Edge |
|---|---|---|---|
| Eye exam | $205 | $10 copay | $0 |
| Prescription glasses copay | N/A | ||
| Frame ($250 allowance*) | $250 | $0 | $0 |
| Single vision lenses | $111 | $0 | $0 |
| TechShield anti-glare coating | $155 | $0 | $0 |
| Impact-resistant lenses | $63 | $0 | $0 |
| Light-reactive lenses, such as SunSync® | $136 | $0 | $0 |
| Self-only annual premium (Pre-tax for Employees) | N/A | $174.72 | $174.72 |
| Total | $920 | $184.72 | $174.72 |
| Savings: $735.28 | $745.28 | ||
Based on state and national averages for eye exams and most commonly purchased brands. Your actual savings will depend on the plan available to you, your copays, contribution level, and whether your contribution is deducted from your paycheck pre-tax.
*The Standard Option plan includes a $200 frame allowance on Featured Frame Brands at most in-network locations or any frame at Visionworks® or a $150 standard frame allowance at in-network locations including Walmart/Sam's Club. The High Option plan includes a $250 frame allowance on Featured Frame Brands at most in-network locations or any frame at Visionworks or a $200 standard frame allowance at in-network locations including Walmart/Sam's Club.
2025 Premiums
You'll experience great overall value on services with savings built into your plan—no matter which one you choose.
VSP Standard Option
| Bi-Weekly | Monthly | |
|---|---|---|
| Self Only | $3.58 | $7.76 |
| Self + One | $7.16 | $15.51 |
| Self + Family | $10.75 | $23.29 |
VSP High Option
| Bi-Weekly | Monthly | |
|---|---|---|
| Self Only | $6.72 | $14.56 |
| Self + One | $13.46 | $29.16 |
| Self + Family | $20.19 | $43.75 |
Network Options
You’ll get more out of your coverage and pay lower out-of-pocket costs when you visit a VSP network location. Plus, there are no claim forms to submit when you see an in-network doctor. You’ll also save on eyewear, lenses, lens enhancements and can take advantage of member-only offers when you use your benefits in network. Find the VSP network doctor who's right for you or call Member Services at 800.807.0764 for out-of-network plan details.
| Service |
Out-of-Network reimbursement |
International reimbursement |
|---|---|---|
| Eye Exam | Up to $45 | Up to $65 |
| Single Vision Lenses | Up to $45 | Up to $55 |
| Lined Bifocal Lenses | Up to $65 | Up to $75 |
| Lined Trifocal Lenses | Up to $85 | Up to $95 |
| Lenticular Lenses | Up to $125 | |
| Frame | Up to $47 | Up to $120 |
| Contact Lenses | Up to $105 | |
International
When using your benefits overseas, you'll need to file an out-of-network claim. Visit any international eye care provider and you’ll be reimbursed 75% of billed charges up to the amounts shown above.
Shop Online
Like shopping online? Get contacts, glasses, and sunglasses using your vision benefits on Eyeconic—the VSP online eyewear store.
Understand the Out-of-Network Process
If you choose to see an out-of-network provider, you’ll need to submit a claim and itemized receipts for partial reimbursement.
"I was hesitant to change how I handle my eye care. I decided to try my VSP vision coverage and couldn't be happier. I found a great eye doctor in my neighborhood and saved well over $400 on my exam and contacts."
~ Christopher L.