To me VSP is just not worth it, at least if you're buying a plan yourself. Not sure if benefits are better if you get this from an employee. They show you all of the benefits on their site, but in those they do not tell you those are all "in network" benefits. You must go "in network" which again was not shown in the initial offering, nor when I spoke to them on the phone. What I also found is that if you go "in network" both eye exams and glasses are more expensive than let's say a Costco retail place. So will they cover more for their "in network" stores? yes, but the prices for both exams and glasses are much more too. We are talking $150 exam at Costco vs $250 for one of their paticipating ODs. Same for glasses. Costco offers a lot of the additional coatings and lens types already built into their cost. It is much cheaper than a regular optical. Your out of pocket cost will be a lot higher, even if you go "in network". So when I went to Costco and got an eye exam from an OD, they only covered part of that, not the full allowance. Then I got a pair of Oakley prescription glasses, again they only cover part of that, not the full allowance. So once I was all done, I have overpaid by over $100. I got zero benefits from VSP, other than them getting an extra $100 from me. It would have been cheaper for me to just do everything directly with Costco for $400. If you are considering VSP, I encourage you to ask them the questions for coverage "in network" vs "out of network" and get estimates from your OD and optical place before purchasing that insurance. Again, from my experience it is not worth getting at all. Feels more like a bait and switch to me.
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VSP Vision Care is a vision care health insurance company operating in Australia, Canada, Ireland, the US, and the UK.