Many or all companies we feature compensate us. Compensation and editorial
research influence how products appear on a page.
Insurance Vision Insurance

VSP® Individual Vision Plans Review: Is It a Good Eye Insurance Provider?

VSP Vision Insurance
on VSP’s secure website
Editorial Rating

Editorial Rating

What we like:

Choice of plans provides flexibility in premiums and coverage

Monthly premiums start as low as$13
Eye exam copay$15
New frames allowance$150
BBB RatingA+
See how VSP Individual Vision Plans stack up against other vision insurance companies

Vision insurance provides you with coverage for your eye care needs. Because many health insurance plans exclude vision coverage, it can be helpful to buy a special vision insurance plan to make sure you can afford trips to the eye doctor, a pair of glasses, contact lenses, or even LASIK eye surgery.

In some cases, vision insurance is available through employer-benefit programs. But you can also choose to buy individual vision insurance if you’re self-employed, retired, or in-between jobs.

If you’re looking for coverage on your own, this vision insurance review will help you decide if a plan through VSP Individual Vision Plans is the right choice for you.

In this review:

What Is VSP Individual Vision Plans?

VSP was founded by a group of optometrists in September 1955 and, for more than 65 years, has focused on providing full-service vision insurance coverage.

VSP covers more than 88 million members worldwide and offers employer-sponsored vision coverage, as well as coverage you can buy on your own. With VSP Individual Vision Plans, those looking to make sure they can maintain their eye health when self-employed, retired, or in-between jobs have several coverage options to choose from.

How Much Does VSP Individual Vision Insurance Cost from VSP?

The cost of an individual vision insurance plan will vary depending on a number of factors, including the state where you live and whether you buy a 1-person plan , 2-person plan, or a family plan. Individual plan options start as low as $13 per month.

Meanwhile, monthly premiums for employer-sponsored VSP plans range in price, depending on the plan option you select and whether you’re insuring just yourself or need a family plan.

You can get a VSP Individual Vision Plans quote online within minutes so you can find out exactly what different plans will cost you and your family.

What Does a VSP Individual Vision Plan Cover?

The specifics of your coverage will depend upon the policy. The Standard plan, for example, provides coverage for:

  • Annual eye exams ($15 copay)
  • Basic lenses, including single vision, bifocal, or trifocal ($25 copay)
  • A $150 allowance for frames or contact lenses and an additional 20% savings on any amount that exceeds your copay (plus, get an extra $20 to spend on featured frame brands*)
  • Savings on scratch resistance; anti-glare lenses; impact-resistant lenses; progressive lenses; tinting of lenses; and UV protection

Typical savings with this plan are more than $300 per year.**

>> Find out what else VSP covers on its website.

How to Find a VSP Network Doctor

To make sure you are covered through a VSP Individual Vision Plan for access to the best rates on the eye care products and services you need, it is important you see an in-network doctor to save money. An in-network doctor is one that has agreed to accept negotiated payment rates for providing services to VSP members.

Where Is VSP Individual Vision Insurance Available?

VSP Individual Vision Plans provides insurance coverage throughout the United States.

VSP Member Savings

Saving money on your health is now more important than ever. VSP Individual Vision Plans members have access to Exclusive Member Extras.

VSP puts its members first by providing exclusive offers totaling over $3,000 in savings from VSP and other popular brands for your eye care and overall wellness needs. As a VSP member, you can save on your favorite frame brands and contact lenses, get discounts on wellness products and services, travel, entertainment, and everyday home and financial services that make your life easier.

VSP Individual Vision Plans Benefits

There are many advantages to enrolling in an individual vision plan through VSP. Some of the benefits include:

  • Use your benefits the same day you enroll
  • Flexible options for your start date and premium payments
  • A large network of qualified doctors
  • Access to member-exclusive special offers and savings
  • A focus on service (VSP is a not-for-profit vision insurance company)
  • Affordable full-service plans starting as low as $13/month for individuals
  • Coverage and discounts on lens enhancements

VSP Individual Vision Plans Downsides

Although VSP Individual Vision Plans coverage offers many significant benefits, there are also some downsides.

  • Some poor reviews: Customers have complained they feel like the plan they purchased included coverage they didn’t need and that VSP has refused to provide coverage for special prescriptions.
  • Coverage limits aren’t very high: You’re limited to just a $150 allowance for eyeglass frames or contacts with the Standard plan, which means you may incur out-of-pocket costs, even though there’s a 20% discount on the amount over your allowance.
  • Out-of-network benefits are limited: Although you can see an out-of-network provider, you have a lower coverage for frames, contacts, and services than you do with an in-network provider.

VSP Individual Vision Plans Customer Service

VSP customer service gets an A+ rating from the Better Business Bureau; however, some customers allege problems with getting claims paid, difficulty canceling their policy, and challenges determining if care providers were in-network.

Bottom Line

VSP Individual Vision Plans is a good insurer if you’re looking for an affordable vision plan you can buy on your own that offers a wide network of doctors and quality coverage. Just make sure you evaluate your coverage options carefully to find the plan that’s right for you.

Want to learn more about VSP? Check out its website.

  • Monthly Premium: As low as $13
  • Frame allowance: $150
  • Lens enhancement savings: Up to 30%

*Brands/Promotion subject to change. Available only to VSP members with applicable plan benefits. Offers are only available through VSP network doctors and in-network locations.
**Savings are based on national averages on annual eye exams and most commonly purchased frame brands and may vary by VSP plan and purchase selection, average savings determined after benefits and premium are applied.