Vision Service Plan

Author: Kaitlyn Short

Vision Service Plan (also known as VSP Vision Care) was founded in 1955 and has amassed over 88 million members worldwide. The company has many different plan options, as well as generous frame and contact allowances.

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The Good

• High Frame and Contact Allowances
• Out of Network Benefits

High Frame and Contact Allowances

Vision Service Plan has one of the best frame allowances when compared to its competitors. The company offers a $150 allowance for either frames or contacts, which makes it better than most of the percentage-based discounts that other providers offer. It’s also one of the higher allowances for contact lenses in the industry. 

Out of Network Benefits

Vision Service Plan also has some great benefits for out of network members. Eye exams are covered up to $45, frames are covered up to $70, and contacts up to $105. Once again, this is one of the better deals when it comes to contact lenses. Vision Service Plan’s network encompasses more than 30,000 providers as well, so there’s a good chance you’ll be able to find someone within the network. 

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The Bad

• Higher Premiums
• Higher Copays

Higher Premiums

Starting at $15 per month, Vision Service Plan has a significantly higher premium than many of its competitors. Premium plans start at $30 per month, and family plans start at $39 per month. However, there are no enrollment fees, which is something to consider when factoring all costs into your decision. 

Higher Copays

With Vision Service Plan, all eye exams have a copay of $15. This is also on the higher end of the spectrum when compared to its competitors. When combined with the higher premiums, it doesn’t make for the most cost effective plan. 

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The Bottom Line

Vision Service Plan tends to charge higher prices, but strives to benefit customers by saving them money in the long run on glasses, contacts, and lenses. With no enrollment fee, there’s also fewer upfront costs. If you’re okay with paying a bit more every month, you’ll get many added benefits that other vision insurance providers don’t offer.

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