Vision exam benefit

​If you are enrolled in one of the three medical coverage options (PPO, EPO, or HDHP), you and your covered family members will automatically be enrolled in the VSP vision exam benefit. You also have this benefit when enrolled in medical continuation coverage.

The vision exam benefit covers annual routine eye exams and screenings related to certain health conditions. Your benefits will go further when you use network providers.

How it works

When you use an optometrist or ophthalmologist who participates in the VSP Choice network, you pay a set copay (with no deductible) for covered services. Your benefit covers the rest of the cost.

  • $25 copay for an annual routine eye exam
  • $20 copay for a follow-up exam related to diabetic eye disease, glaucoma, or age-related macular degeneration (AMD)
  • $20 copay for retinal screening if you are living with diabetes

To find participating VSP providers, search the VSP website or call VSP at 800-877-7195.

You also will receive discounts on vision-related items and services when you purchase them through a VSP Choice network provider:

  • prescription glasses
    • 20 percent discount on lenses (when a complete pair of glasses is purchased)
    • 20 percent discount on frames (when a complete pair of glasses is purchased)
    • 20 percent discount on additional glasses and sunglasses (if purchased within 12 months of last annual routine eye exam by VSP doctor)
  • contact lens exams
    • 15 percent discount on contact lens exams (fitting and evaluation; no discount on contact lenses)
  • glasses and sunglasses lens options
    • 20 percent discount on options such as progressives and anti-reflective coatings (discount only applies if you purchase new glasses and frames)
  • laser vision correction
    • average discount of 15 percent off regular price or 5 percent off promotional price (available only from contracted facilities)

In addition to hundreds of regional retail chains in the VSP network, you have the option of purchasing frames from national VSP partners such as Costco Optical, Visionworks, Rx Optical, and Shopko. No discounts apply when purchasing frames from a VSP partner.

Using your vision exam benefit

You don’t need an ID card to use this benefit. Simply tell your VSP Choice network provider you have coverage through VSP and provide the last four digits of your Social Security number and group number 30022595.

If you’d like an ID card, you can download and print one by logging on to the VSP website.

Out-of-network benefits

If you choose to go to an out-of-network provider — an eye doctor that does not accept payment from VSP — you pay the full cost of your routine annual eye exam up front. Submit your out-of-network claim to VSP, and you'll be reimbursed up to $45 after your $25 copay is deducted.

To file claims, log on to the VSP website and click Benefits; then click Submit a claim and follow the instructions. You can submit claims online or by mail.