Last updated: March 2026
How Much Does VSP Vision Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| VSP Individual Plan (monthly) | $0 – $0 | $10 – $18 |
| VSP Family Plan (monthly) | $0 – $0 | $15 – $25 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: VSP is the largest vision insurance provider in the US, covering 88 million members. Plans cover annual eye exams, glasses, and contact lenses.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
VSP individual plans cost $10 to $18 per month. Family plans cost $15 to $25 per month. Employer-sponsored VSP plans are often less expensive.
VSP covers annual eye exams (typically $15 copay), glasses with a frame allowance of $130 to $200, and contact lenses up to $130 to $200 annually.
VSP has a larger network and is better for independent eye doctors. EyeMed offers better discounts at retail chains like LensCrafters and Target Optical.