Physicians Mutual Vision vs. Spirit Vision: Which Affordable Plan Is Right for You?

Provider Network & Retail Partners

Physicians Mutual Vision:

• Partners exclusively with VSP

• Access to 36,000+ private-practice doctors

• Limited retail chain access, but includes some locations like Visionworks

• Great for those who prefer independent optometrists

Spirit Vision:

• Offers access to VSP or EyeMed, depending on the selected plan

• VSP: Focused on independent providers

• EyeMed: Strong retail access with:

  • Target Optical, LensCrafters, Walmart Vision, Pearle Vision, and more

Pricing & Premiums

Physicians Mutual Vision:

• Premiums start around $13–$20/month, depending on age and state

• Exam copay: ~$15

• Materials copay: ~$25

• Frame allowance: ~$130 (standard VSP coverage)

Spirit Vision:

• Standalone vision plans start as low as $10–$15/month

• Dental + vision bundles: ~$30–$40/month

• Copays:

  • Exam: ~$10

  • Lenses: ~$25

• Frame allowance: $130–$150, depending on network

Ease of Use & Enrollment

Physicians Mutual Vision:

• Apply online or over the phone

• No waiting periods for exams

• ID cards and provider search available through VSP portal

• Simple and senior-friendly process

Spirit Vision:

• Easy online application

• Choose between VSP or EyeMed networks

• Manage plan via Spirit Dental & Vision member portal

• Instant ID card and provider tools

Extras & Discounts

Physicians Mutual Vision:

• VSP LASIK savings with pre-screened surgeons

• Discounts on second pairs, sunglasses, and lens upgrades

• Some plans include hearing aid discounts

Spirit Vision:

• LASIK discounts via QualSight and EyeMed/VSP

• Optional add-ons for lens enhancements

• Special savings at select retail locations and online retailers

Best For…

• Physicians Mutual Vision: Best for seniors or individuals who prefer independent eye doctors, and those who want VSP-only coverage with a reputable, established insurer.

• Spirit Vision: Best for budget-conscious individuals or families, especially those looking for retail flexibility or wanting to bundle dental + vision.

Pros and Cons

Physicians Mutual Vision Pros:

• Trusted brand with senior-friendly service

• VSP network ensures quality care

• Good extras like LASIK and hearing discounts

• No waiting period

Cons:

• No EyeMed option

• Limited retail network compared to Spirit Vision

Spirit Vision Pros:

• Choose between VSP or EyeMed networks

• Affordable premiums

• Option to bundle with dental

• Strong retail access

Cons:

• Slightly more complex due to network choice

• LASIK and enhancements may vary by plan

Final Verdict: Which One Should You Choose?

Choose Physicians Mutual Vision if:

• You want trusted service and VSP-only coverage

• You prefer seeing an independent eye doctor

• You value simplicity and straightforward benefits

Choose Spirit Vision if:

• You want to choose between EyeMed or VSP

• You prefer shopping at big retailers like Target Optical or LensCrafters

• You’re looking for a budget-friendly option with bundle flexibility

Both plans are competitively priced, but your ideal choice comes down to network preference and how you use your vision benefits.