VSP vs. MetLife Vision: Affordable Vision Insurance Showdown

Provider Network & Retail Partners

VSP Network:

• Over 36,000 eye doctors

• Focus on independent optometrists

• Limited retail chain access (some plans include Visionworks)

MetLife Vision Network:

• Network depends on plan (either EyeMed or VSP)

• Over 100,000+ access points

• Retail options include LensCrafters, Target Optical, Pearle Vision, Visionworks, and more

Pricing & Premiums

VSP:

• Individual plans start around $13/month

• Exam copays: ~$15

• Lenses/materials: ~$25

• Frame allowance: $150–$200 annually

• Contact lens allowance: comparable to frame coverage

MetLife Vision:

• Premiums vary, but individual plans start at about $10–$15/month

• Exam copay: ~$10

• Lens copay: ~$20–$25

• Frame allowance: $130–$150 (varies by network)

• Contact lens benefits equal or slightly less than frames

Ease of Use & Enrollment

VSP:

• Easy self-enrollment online

• Choose from standard or enhanced plans

• Immediate access to digital ID cards

• VSP member portal for benefits, claims, and provider search

MetLife Vision:

• Enrollment through employer or directly on MetLife’s website

• Member portal supports claims, benefits, and digital cards

• Network access varies depending on chosen plan provider (VSP or EyeMed)

Extras & Discounts

VSP:

• Discounts on LASIK and PRK procedures

• Access to Eyeconic, VSP’s online eyewear retailer

• Additional savings on second pairs, lens enhancements, and contacts

• Vision wellness tools and reminders

MetLife Vision:

• LASIK discounts through QualSight or U.S. Laser Network

• Hearing aid discounts (when bundled)

• Additional eyewear discounts

• Stronger bundling discounts if you have MetLife dental or life insurance

Best For…

• VSP: Best for individuals who prefer private-practice optometrists and want a flexible standalone vision plan with excellent frame allowances.

• MetLife Vision: Best for those who want retail access, easy bundling, and a wider network of providers, especially through employer-sponsored benefits.

Pros and Cons

VSP Pros:

• High-quality provider network

• Excellent frame allowances

• Great for individual/family coverage

• Affordable lens upgrades

Cons:

• Limited retail chain access

• Some plans may not cover certain premium lenses

MetLife Vision Pros:

• Wide network with strong retail presence

• Powered by VSP or EyeMed networks

• Affordable premiums and easy employer enrollment

• Ideal for bundling with MetLife benefits

Cons:

• Coverage and networks vary by plan

• Less flexibility in provider selection if not using EyeMed or VSP-specific plan

Final Verdict: Which One Should You Choose?

Choose VSP if you:

• Want coverage directly without an employer

• Prefer private eye doctors

• Are looking for generous frame and lens allowances

Choose MetLife Vision if you:

• Value access to retail chains like LensCrafters and Target Optical

• Have access through an employer

• Want a simple, affordable plan with bundling options

Both providers deliver solid coverage—VSP excels in personalized care, while MetLife Vision shines with network flexibility and retail convenience.

How to Get a Quote or Enroll

• VSP: Visit vspdirect.com to browse and enroll in an individual or family plan.

• MetLife Vision: Visit metlife.com to explore options or speak with your HR rep if you’re enrolling through an employer.