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cost & coverage hero image

Cost & 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

As a VSP member through FEDVIP, you’ll enjoy access to care from great eye doctors, quality eyewear, and the affordability you deserve. Choose the Standard Option or select the High Option for enhanced benefits. And save even more when you visit a Premier Program location! View the current year benefits or learn more about what’s in store in 2023. You’ll get the same great benefits with slightly lower member rates and the addition of a worry-free eyewear guarantee.

2023 Savings

Because VSP is a not-for-profit vision care company, you’ll get access to high-quality care from a VSP network doctor and low out-of-pocket costs. Both plan options provide you with benefits you’ll use and love.

VSP Standard Option

Save with VSP Coverage Without VSP  With VSP  With Premier
Eye exam $194 $10 Copay $0
Prescription glasses copay N/A $20 Copay $20
Frame ($200 allowance*) $200 $40** $0
Single vision lenses $107 $0 Copay $0
Anti-reflective coating $149 $85 $85
Impact-resistant lenses $58 $0 $0
Light-reactive lenses $128 $75 $75
Self-only annual premium N/A $92.04 $92.04
Total $836 $322.04 $272.04
Savings: $513.96 $563.96

VSP High Option

Save with VSP Coverage Without VSP With VSP With Premier
Eye exam $194 $10 copay $0
Prescription glasses copay N/A
Frame ($250 allowance*) $250 $40** $0
Single vision lenses $107 $0 $0
TechShield anti-glare coating $149 $0 $0
Impact-resistant lenses  $58 $0 $0
Light-reactive lenses $128 $0 $0
Self-only annual premium N/A $173.64 $173.64
Total $886 $223.64 $173.64
Savings: $662.36 $712.36

Based on national averages for comprehensive 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 Premier Program locations or any frame at Visionworks® or a $150 frame allowance at other in-network providers. The High Option plan includes a $250 frame allowance on featured frame brands at Premier Program locations or any frame at Visionworks or a $200 frame allowance at other in-network providers. **20% savings on the amount over your allowance.

2023 Premiums

You'll experience great overall value on services with savings built into your planno matter which one you choose.

VSP Standard Option

  Bi-Weekly Monthly
Self Only $3.54 $7.67
Self + One $7.07 $15.32
Self + Family $10.62 $23.01

VSP High Option

  Bi-Weekly Monthly
Self Only $6.68 $14.47
Self + One $13.38 $28.99
Self + Family $20.08 $43.51

Network Options

You’ll get more out of your coverage and pay lower out-of-pocket costs when you see a VSP network doctor. Plus, there are no claim forms to submit when you see an in-network doctor. You’ll also save on lens enhancements and take advantage of member-only offers when you use your benefits in network. Find the VSP 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

Prefer to shop online? Get contacts, glasses, and sunglasses using your vision benefits on Eyeconic—the VSP preferred online retailer.

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.

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Testimonial

"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.