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VSP Vision Insurance Review


ConsumersAdvocate.org Rating: 4.7 / 5 (Excellent)
34 Customer Comments & Reviews - see all comments
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VSP gives individuals and families access to essential vision care through its affordable Individual Vision Plans, which can start as low as just $13 a month. The company has one of the largest network of independent doctors in the industry, with more than 36,000 VSP doctors to choose from.
 
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Services and Features  

VSP offers a variety of Individual Vision Plans depending to meet each customer's eye care needs. The Standard plan covers a comprehensive eye exam, as well as prescription glasses or contact lenses, with very reasonable co-pays. Their eye exam co-pay $15 and there is a co-pay of $25 for prescription glasses. Coverage includes frames and lenses every 12 months.

VSP also offers covered lens enhancements such as anti-glare, progressive lenses, light-to-dark lens tinting, impact-resistant, UV protection, and scratch-resistant coating. Enhancements can range from $16-$175, depending on the type you choose.

Patients are given a $150 allowance for prescription glasses or contacts. If the patient chooses contact lenses, the allowance is used toward the contact lenses, fitting, and evaluation. Plus, patients enjoy an additional 15% savings on contact lens exams.

Additional Services

VSP has partnered with several vendors to offer its members exclusive member extras such as additional savings on frames, lens enhancements, Lasik surgery, hearing aids, and more.

Covered Items 

Glasses

✔

Contacts

✔

Eye Examinations

✔

LASIK

Discounts only

Allowances

$150 allowance toward frames, contacts, and contact lens exam

Lens Options

Scratch Resistance

$17-$33

UV Coating

$16

Anti-Glare

$41-$85

Impact-Resistant Polycarbonate

$31-$35

Tinted/Colored

$15-$17

Types of Vision Plans

Individual

✔

Family Plan

✔

Stand-alone Plans

✔

Preferred Provider Organizations

✔

Employer Provider

✔

Health Maintenance Organizations

✗

Network

Out-of-Network Coverage

✔

Size of Network

36,000 independent doctors nationwide

Find Doctors Online

✔

Pricing

Deductible

Standard Plan

Co-payment - Exam

$15

Co-Payment - Glasses

$25

Premium

Varies by state

Coverage Period

Waiting Time

 Next business day

Enrollment

Not Stated

Cancellation

Not Stated

Customer Resources

Eye Exam Locations

36,000

Online Account Management

✔

Mobile App

✗

Phone

✔

Email

✔

Vision Insurance at VSP

VSP’s large network of 36,000 network doctors makes it easy for you to locate a participating vision care provider in your area, helping you maximize your benefits and increase your savings. Their plans offer excellent value and the company makes enrollment easy.

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34 Customer Comments & Reviews

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A
Adam
11/28/2021
Upon arriving for an eye exam, VSP spontaneously denied my coverage claiming my employer’s account was listed as “pending” despite the fact I’ve been a customer for the last 3+ years and there was no evidence of any issues with my account upon logging into VSP’s website from my end. This was an extremely unfortunate situation considering I paid $30+ in Uber’s to/from my appointment without being able to be seen. I now know I never should have been denied coverage, and that my employer’s account merely appeared this way in VSP’s system because they were adding a new benefit to our VSP plan for the following calendar year. Makes no sense that none of the VSP reps I spoke to could articulate... Read More

K
Kathy
11/5/2021
I have lost our card and I can’t find a member number? Or id For Elmer Leroy Boss

R
Robert C
10/18/2021
I suppose this may work for in network providers. For out of network providers it is basically a scam. I have submitted receipts for eye exams, lenses and frames for out of network and been denied coverage twice because they couldn’t verify that the services were provided. If you call customer service there is impossibly long wait times and multiple disconnects. Finally I had another out of network encounter. This time the optometrist submitted the billing. Of course I had paid for everything up front. VSP issued the reimbursement to the optometrist, which is useless. Again calls to customer to claims, long waits and disconnects leave me with no actual reimbursement. So six years of... Read More

eileencbling
9/1/2021
The worst experience I have ever had with both a website and attempting to get some guidance from Customer Service : 1) long wait time to connect to my call 2) dropping my call multiple times 3) not understanding the problem, 4) transferring me to another person who could answer only one of my questions 5) continued problems/errors setting up new account (due to having coverage with VSP 7 years ago they still have on record) 6) unsuccessful process to reset password ( 1st time login worked but error logging in the 2nd time w/PW not recognized . When I told one REP I had lost confidence in VSP handling my account they responded 'VSP is big, very big... military, Soc Sec, etc.) Five... Read More

K
Kenneth
8/16/2021
Worst experience ever!!! I had to send my glasses back 3 times, wrong prescription the first two times,then the last time, the glass lenses came back scratched. VSP doesn't even care,customer service was horrible. They didn't even care that my glasses were damaged. The eye doctor even was shocked by the company's standards. Don't use VSP Insurance at all

mikethemorris2
6/29/2021
2 stars off for being nearly impossible to contact a real person. 1 star off for a needlessly complicated web site. 2 stars off for not giving a "vision card" so I would know who to have COSTCO bill. 2 stars off for giving me the out of network rate because I didn't know who to tell COSTCO to bill. I give 1 and 1/2 stars back just so this isn't "lost" and I can warn others.

E
E L
4/19/2021
They get this rating because of their solicitation practices and constant email harassment EVEN IF YOU HAVE NOT APPLIED TO OBTAIN VISION INSURANCE WITH THEM. After looking at their site they data STOLE my email and then started soliciting me via email with fish & bait offers. AT NO TIME DID I AUTHORIZE THEM TO EMAIL ME.....EVER! They leave me with no choice but to file a formal complaint with Federal Trade Commission and my State Attorney General. On top of this they want your financial information so they can automatically bill (and from what I see that in itself is causing problems).

B
Barbara
2/10/2021
they sent a bill in January that was missing the address to send it to. We phoned and eventually got an address and sent a check. Apparently the address was not optimal and they missed that check. Eventually they cashed it but still said we owe the money. Now they say they are dropping us at the end of the month but we need to pay through the end of the year. They may have meant they will drop UNLESS we pay the year in advance. I cannot tell. This has been through email, which is less hold time at least.

D
Diane
1/28/2021
This company is worthless! They offer a free eye exam.. in billings Montana there is not one company on their list that will accept their insurance for the optometrist,, you have to pay out of pocket then you do all the required paperwork and still can’t get your money!! We faithfully paid for almost to years our monthly premium plus the eye exam and the lady we spoke with was so rude!! Please do not get insurance with this company!

L
LISA S
1/18/2021
Customer Service is terrible with this company. You talk to one person who refers you to another department and you start over again. Then you get to a person who tells you they can't help you. The only option for on-line contact lens ordering is Eyeconic (worse company than VSP) -of course as I was just told by the not helpful representative with VSP I don't have to use Eyeconic, I just have them as an option if I want to use my full benefits. What???? Why do I have insurance if I am not using my Full Benefit???? They took my full insurance premium every month. That is the type of service you can expect from VSP. Look elsewhere for your vision insurance.

Top Rated
Our Partner

Top Rated Vision Plans Start As Low As $13/month 🔥

  • Nation’s largest vision benefits provider for more than 60 years
  • Coverage for eye exams, frames, lens enhancement, and contacts
  • More than 36,000 in-network doctors nationwide
  • Easy Online Enrollment (or speak with a VSP representative by phone)
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