CompBenefits (Humana Vision) vs. VSP Vision: Affordable Vision Insurance Compared

Provider Network & Retail Partners

CompBenefits (Humana):

• Uses the EyeMed network (for many plans)

• Access to major retail chains like:

  • LensCrafters

  • Target Optical

  • Pearle Vision

  • Walmart Vision Center

• Also includes private-practice optometrists

VSP Vision:

• Operates its own large, private-practice-focused network

• 36,000+ independent eye doctors

• Some retail access through Visionworks, Eyeconic (VSP-owned online store)

Pricing & Premiums

CompBenefits (Humana):

• Monthly premiums: $11–$18, depending on location

• Exam copays: ~$10–$15

• Lens copays: ~$25

• Frame allowance: ~$130–$150

VSP Vision:

• Monthly premiums: $13–$20 for individual plans

• Exam copay: ~$15

• Lens copay: ~$25

• Frame allowance: up to $200, depending on plan tier

Ease of Use & Enrollment

CompBenefits (Humana):

• Easy online enrollment for individuals via Humana.com

• Often offered as part of a bundled dental + vision plan

• Digital tools for ID cards, claims, and provider search

VSP Vision:

• Direct-to-consumer enrollment at vsp.com

• Simple plan comparison and purchasing tools

• Mobile app for benefit tracking and appointments

• Online eyewear store: Eyeconic

Extras & Discounts

CompBenefits (Humana):

• LASIK savings through affiliated providers

• Discounts on second pairs, progressive lenses, scratch resistance

• Often more perks when bundled with other Humana plans

VSP Vision:

• Exclusive frame collections with $0 copays

• High-value frame allowances

• LASIK discounts

• Eyeconic store discounts

• Some plans include coverage for light-adaptive and blue light lenses

Best For…

• CompBenefits (Humana): Ideal for individuals or families already using Humana health/dental, or those wanting flexible retail access with familiar providers like Walmart or Target.

• VSP Vision: Best for those who want premium frame coverage, independent provider flexibility, and a strong standalone plan with personalized care.

Pros and Cons

CompBenefits (Humana) Pros:

• Lower-cost plans available

• Retail-friendly with EyeMed access

• Easy to bundle with other Humana benefits

• LASIK and lens discount perks

Cons:

• Frame allowances typically lower than VSP

• May have more restrictive provider choice if using EyeMed-only network

VSP Vision Pros:

• Large independent provider network

• Higher frame allowances

• Direct enrollment options

• Strong support for advanced lens technology

Cons:

• Slightly higher monthly premiums

• Less access to big-name retail chains compared to EyeMed-based networks

Final Verdict: Which One Should You Choose?

Choose CompBenefits (Humana) if:

• You’re already using Humana for health or dental

• You prefer shopping at retail chains like Walmart or Target

• You want a budget-friendly plan with flexible options

Choose VSP Vision if:

• You want high frame allowances and premium eyewear options

• You prefer seeing independent optometrists

• You value personalized vision care and flexible individual plans

How to Get a Quote or Enroll

• CompBenefits (Humana): Visit humana.com and navigate to Vision Plans to compare and enroll. You can also call their sales team for bundled packages.

• VSP Vision: Go to vsp.com to compare plan options, enroll online, or browse their Eyeconic store for frames and lenses.