At Optics Town, we understand that many of our customers love wearing sunglasses for both style and sun protection. If you’re covered by VSP (Vision Service Plan) insurance, you may be curious whether your plan includes coverage for sunglasses. In this guide, we’ll explain how VSP insurance works with sunglasses and how you can make the most of your benefits when shopping at Optics Town.
What is VSP Insurance?
VSP is one of the largest vision insurance providers in the United States, covering millions of people across the country. As of 2023, VSP covers more than 88 million members globally. Their plans typically offer a wide range of benefits, from routine eye exams to prescription eyewear. However, the level of coverage for sunglasses can vary depending on your specific plan.
While many VSP members are eligible for coverage for prescription glasses, sunglasses coverage may not always be included. Understanding your plan’s details is crucial for determining whether sunglasses are part of your coverage. At Optics Town, we can help you navigate your options and clarify any confusion you may have about using your VSP benefits for sunglasses.
Does VSP Cover Prescription Sunglasses?
The coverage for prescription sunglasses with VSP depends on your specific plan. Here’s a breakdown of the most common scenarios:
Prescription Sunglasses: According to VSP’s website, about 60% of members are eligible for coverage for prescription sunglasses under their vision plans. If your plan includes coverage for prescription glasses, it may also extend to prescription sunglasses, though this isn’t always guaranteed.
Non-Prescription Sunglasses: Non-prescription sunglasses are typically not covered by VSP, but some VSP plans offer discounts on non-prescription eyewear when purchased through their network of providers, including Optics Town.
Designer Sunglasses: If you’re eyeing designer sunglasses, be aware that VSP might not cover these, especially high-end brands. However, if your plan offers an allowance for prescription eyewear, you may be able to apply that allowance toward prescription designer sunglasses, but additional out-of-pocket costs may apply.
If you’re not sure if your plan covers prescription sunglasses, we recommend contacting VSP or checking the details of your policy. Optics Town can also help you clarify whether the sunglasses you’re interested in qualify for coverage.
Eligibility for Sunglasses Coverage
VSP offers several different vision plans, and the details of what’s covered can vary significantly. Here’s how eligibility for sunglasses coverage is generally determined:
Membership Type: Some plans, such as VSP’s “Choice” and “Standard” plans, include coverage for both prescription glasses and sunglasses, while others may restrict coverage to just prescription glasses. Check whether your plan offers a flexible eyewear allowance that can be applied toward sunglasses.
Special Vision Needs: If you need sunglasses for medical reasons, such as light sensitivity, there may be additional coverage available. Plans with “medically necessary eyewear” benefits might cover prescription sunglasses. However, these benefits are typically limited to certain conditions and may require a doctor’s note.
Coverage Limits: The amount VSP covers for sunglasses can depend on the plan’s limits. For example, if your plan offers a $150 allowance for eyewear, you may be able to use that amount toward prescription sunglasses. However, if the sunglasses you choose exceed the allowance, you’ll need to pay the difference out-of-pocket.
How to Submit a Claim for Sunglasses
If you purchase prescription sunglasses from Optics Town, submitting a claim for reimbursement through your VSP insurance is a straightforward process. Here’s what to do:
Check Your Plan Details: Before making a purchase, make sure to check your VSP plan to confirm that prescription sunglasses are covered. If you’re unsure, you can contact VSP’s customer support to clarify.
Use In-Network Providers: To get the most out of your benefits, shop with in-network providers like Optics Town. In-network providers usually offer better coverage rates and reduced out-of-pocket costs. Optics Town is a trusted VSP provider, ensuring you receive maximum coverage for your sunglasses.
Prepare Your Documentation: When submitting a claim, you’ll need to provide the following documentation:
A copy of your prescription (if applicable)
A receipt showing the purchase price
Any applicable proof of payment (if not directly billed to VSP)
Review Your Plan’s Coverage Limits: Understand your plan’s deductibles, copays, and the eyewear allowance. This will help you avoid any surprise costs when submitting your claim.
If you’re uncertain about the claims process, Optics Town’s customer service team is here to assist you and guide you through each step.
What to Look for in Sunglasses
When shopping for sunglasses, there are a few key features to consider, especially when using your VSP benefits:
UV Protection: All sunglasses should provide 100% UV protection to guard against harmful rays. Many prescription sunglasses covered by VSP meet this requirement, ensuring your eyes are protected from the sun’s damaging UV rays.
Lens Material: VSP coverage may be limited for specific lens materials. For instance, advanced coatings like polarized lenses or anti-reflective coatings may not be fully covered. At Optics Town, we offer various lens materials, including options that maximize both protection and comfort.
Lens Type: Prescription sunglasses are often available with various lens types, including single vision, bifocal, and progressive lenses. Be sure to select a lens type that matches your vision needs and is covered by your VSP plan.
Style and Brand: While your VSP plan may cover standard prescription sunglasses, designer and high-end sunglasses may not always be included. However, certain VSP plans offer discounts on specific brands and retailers, including Optics Town. If you’re considering a designer brand, be aware of any additional out-of-pocket costs.
Tips for Maximizing Your VSP Benefits
To get the most out of your VSP benefits, follow these tips:
Review Your Plan Regularly: VSP coverage details can change from year to year, so make sure to review your plan at the start of each benefit period. This ensures you understand what’s covered and helps you plan ahead for purchases.
Choose In-Network Providers: To get the best possible coverage, make sure to shop at in-network providers like Optics Town. In-network providers have agreements with VSP, meaning you’ll typically pay lower out-of-pocket costs for prescription eyewear.
Track Your Coverage Limits: Understand your annual eyewear allowance and check whether any copays or additional costs apply. Staying aware of these limits can help you avoid unexpected bills.
Contact VSP Customer Support: If you have questions about your coverage, reach out to VSP customer service. Their representatives can help clarify what is and isn’t covered, so you can make informed decisions about your eyewear purchase.
Conclusion
At Optics Town, we’re committed to helping you make the most of your VSP vision insurance benefits. Whether you’re shopping for prescription sunglasses or stylish non-prescription sunglasses, we can guide you through your coverage options to ensure you’re getting the best value.
With over 60% of VSP members eligible for coverage for prescription sunglasses, it’s worth checking if your plan applies. Be sure to review your benefits, contact VSP for clarification, and take advantage of our wide selection of sunglasses that fit both your style and your insurance coverage. If you’re unsure about anything, Optics Town is here to help you navigate your options and find the perfect pair of sunglasses today.
