VSP vs EyeMed
VSP vs. EyeMed: Affordable Vision Insurance Comparison Guide
Choosing the right vision insurance can significantly impact your eye care costs and services. VSP (Vision Service Plan) and EyeMed are two popular choices offering affordable options. Here’s an easy-to-understand comparison to help you decide.
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Overview of Each Provider
VSP Vision Care
VSP is America’s largest vision insurance provider, serving millions with comprehensive vision plans. Known for strong relationships with private-practice optometrists, VSP focuses on personalized eye care.
EyeMed Vision Care
EyeMed, owned by Luxottica, provides extensive networks and flexibility. They emphasize convenience, often partnering with well-known retail chains, making it easy for customers to access services.
Plan Types & Coverage
VSP:
Individual & Family Plans
Routine eye exams
Prescription lenses (single, bifocal, trifocal)
Frames & contacts coverage
Coverage for lens enhancements (anti-glare, scratch-resistant, progressive)
EyeMed:
Individual & Family Plans
Comprehensive eye exams
Prescription glasses and contacts
Discounts on lens enhancements
Flexibility with upgrades and options at retail locations
Provider Network & Retail Partners
VSP:
Extensive network of private practice optometrists
Partnerships include Visionworks, Pearle Vision, and Costco Optical
EyeMed:
Broad network including LensCrafters, Pearle Vision, Target Optical, Sears Optical, JCPenney Optical, America’s Best, and more.
Convenience-oriented with numerous retail locations nationwide.
Pricing & Premiums
VSP:
Monthly premiums: typically range from $13 to $30, depending on coverage and family size.
Lower out-of-pocket expenses at independent practices.
Predictable copays.
EyeMed:
Monthly premiums: range from around $10 to $30.
Attractive pricing especially for in-network retail providers.
May have variable out-of-pocket expenses based on upgrades and lens options chosen.
Ease of Use & Enrollment
VSP:
Simple enrollment online or through employer.
Member portal/app to manage benefits and claims easily.
Excellent customer support.
EyeMed:
Quick enrollment through an employer, online portal, or marketplace.
User-friendly app and digital ID card.
Easy claim submission and tracking.
Extras & Discounts
VSP:
Discounts on LASIK surgery.
Additional savings on eyewear above allowance limits.
Exclusive member promotions through private providers.
EyeMed:
Discounts on LASIK surgery and hearing exams.
Frequent promotions and additional discounts at retail partners.
Special savings on sunglasses and second-pair eyewear.
Best For…
VSP is best suited for those who prefer personalized care through private-practice optometrists and predictable costs.
EyeMed is ideal for those prioritizing convenience, flexibility, and access to major retail chains.
Pros and Cons
VSP Pros:
Strong private-practice provider network.
Predictable copayments and costs.
Comprehensive and personalized eye care.
VSP Cons:
Limited retail-chain providers compared to EyeMed.
Fewer walk-in options available.
EyeMed Pros:
Extensive retail partner network.
Flexibility and convenience.
Competitive pricing, especially for retail shopping.
EyeMed Cons:
Potentially higher out-of-pocket costs depending on upgrades.
Less emphasis on private-practice, personalized care.
Final Verdict: Which One Should You Choose?
Choose VSP if you value personalized eye care from independent providers, predictable costs, and comprehensive benefits.
Choose EyeMed if you prefer convenience, broader access to retail chains, and more flexible shopping options.
Both plans offer affordable vision insurance coverage, but your choice ultimately depends on your personal preferences regarding convenience, network, and budget considerations.
How to Get a Quote or Enroll
Getting started is simple:
VSP: Visit vsp.com to compare plans, get an instant quote, or enroll directly online.
EyeMed: Visit eyemed.com to explore available plans, view pricing, and enroll instantly.
Comparing quotes and features from both providers is the best way to ensure you choose a plan that meets your unique vision care needs and budget.
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Frequently Asked Questions (FAQs)
EyeMed often offers slightly lower premiums, especially when using in-network retail providers. However, VSP may have lower out-of-pocket costs for certain services depending on the plan.
No, typically you can only use one vision insurance plan at a time for a single service or purchase.
VSP is widely accepted by independent optometrists and some retail chains like Visionworks. EyeMed partners with major retailers like LensCrafters, Target Optical, and Pearle Vision.
Both VSP and EyeMed offer discounts on LASIK, but they typically do not fully cover it as it's considered elective.
Yes, both VSP and EyeMed offer individual and family plans that can be purchased directly online.
Yes, both providers offer plans that cover glasses and/or contact lenses, but usually not both fully in the same benefit period — you'll need to choose one or the other.
Generally, there is no waiting period for basic services like exams or lenses once the plan becomes active. Always check plan details for specifics.
Most plans from both providers cover annual eye exams with a low copay, typically around $10–$20.
Both offer strong family plans, but EyeMed may offer more retail flexibility, while VSP offers more personalized care through private providers.
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent