Vision Insurance FAQ: 5 Facts About Eye Care Providers


An important part of having vision insurance is knowing your options for eye care providers. Knowing the difference between the services and costs of eye doctors will help you save a lot of money in the long run and get the quality care you deserve. To help as you investigate your options, we’ve compiled a list of five frequently asked questions. If you don’t find the answer you’re looking for, you can contact one of our vision experts for more information.


What is the difference between in-network providers and out-of-network providers?

An in-network provider is an eye care doctor that has met VSP’s strict requirements for quality of service and accepted specific rates negotiated by VSP to save you money on your services. An out-of-network provider does not have the same discounted rates for their services. You will typically pay much less going to a VSP in-network provider.


How do I know which services are offered by the in-network providers?

You can search which VSP in-network providers offer the eye services you need on our website. You’ll be able to search through different services like eye exams, vision therapy and preventive eye care, as well as products like glasses, contacts and even sports eyewear.


How do I nominate a provider to join my network? 

If you’ve already built a relationship with an out-of-network eye doctor, you can nominate a provider to join VSP’s network by filling out a simple form on our website. It's important to know that submitting a nomination is not a guarantee your provider will be added to the VSP network. Also, the application process can take up to 12 weeks, so be sure to start filling out the form with enough time in advance of your next eye appointment.


How do I find a VSP eye doctor?

You can find a list of VSP network doctors near you on our website. You’ll be able to search for optometrists in a radius as small as 5 miles to as big as 100 miles. Just as a reminder: If you choose to go to an out-of-network provider, you’ll have to submit your claims yourself and will be reimbursed at lesser out-of-network coverage amounts. But don’t fret—with over 34,000 doctors in the VSP network, you’re sure to find one or several conveniently located.


Can I get my eye examination at one location and the glasses at another?

Yes, you can. Just make sure to have the optometrist who performs your eye examination provide you with your eye health records and a prescription for you to take to the location where you’d like to purchase eye products.

As you search for in-network providers, you will see some are labeled “Premier Program.” This means that this provider will offer a wide selection of featured frame brands, performance lenses for sharp vision, preventive eye health care as well as advanced eye exam technology — basically your one-stop place for your eye care needs. All of VSP’s doctors meet high-quality professional service standards, so you’re in good hands with any in-network provider, whether they have the “Premier Program” label or not.

 If you do not have vision insurance yet, search this site to find the best vision service plan. Or use our FIND A DOCTOR search tool to locate a doctor near you.