The VSP provider network operates by providing members with discounts on eye care products and services through a large group of participating optometrists and ophthalmologists. Vision insurance coverage varies by state and specific plan.
VSP vision insurance is included by many employers in employee benefit packages. In some states, however, the VSP network offers individual and/or family plans even to those who are not covered for vision insurance through employers. The company charges monthly membership fees for these plans, according to information on the VSP website.
It is possible to find out whether these plans are available in a particular state by going to the company-sponsored VSPDirect site and typing in a ZIP code. Individual and family plans typically offer low copays on eye exams and glasses, along with financial allowances for contact lenses or glasses frames.
The VSP network's website also offers a listing of participating eye doctors which can be searched by ZIP code or address, services, products, preferred language and frame brand.
Members can make appointments with any doctors on this list without contacting VSP, and it is unnecessary for members to submit claim forms. The doctor's office contacts VSP directly to verify eligibility and plan coverage and to obtain an authorization for services, according to the VSP website.
Some plans also allow members to receive discounted services and products from out-of-network providers. However, discounts available from these out-of-network providers might differ from those offered by doctors in the VSP network. When VSP members visit out-of-network providers, the members do need to submit claims forms for reimbursement, according to the site.