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Vision insurance for your eye care

We have an alliance with VSP® Individual Vision Plans to provide you with full-service plans.

Explore vision plans

Meet the new VSP® Flex Plan.

This new plan is ideal if you primarily use contacts for your eyewear.

Whether you’re seeking basic coverage or specialized care, we have a plan that fits your needs.

View Flex plan

What you get with vision insurance through USAA

A VSP policy can help cover basic eye care like eye exams, prescription glasses and contact lenses.

No Waiting Period

Enroll any time and use your benefits the same day.

Flexible Payments

Pay for the whole year or make monthly payments.

Predictable Premiums

Expect little to no changes to your payments year to year.

Nationwide Network

VSP has the largest network of independent eye doctors, so you can find a provider near you.

Hearing Aid Savings

VSP offers a hearing aid discount up to 60% through TruHearing® Opens in a New Window.

Types of vision insurance plans

If you have VSP® Standard, you can upgrade to VSP® Plus or Flex at renewal.

VSP® Standard

Individual plans from $15 a month‍ ‍ See note 1

The Standard plan offers savings on eye exams, eyeglasses, contacts and more. It’s best if you need an eye exam and basic glasses.

  • $15 copay for exams and $25 copay for eyeglasses
  • $150 yearly allowance for frames or contacts
  • $41 to $85 copay for an anti-glare lens coating
  • $15 copay for a blue light filter
  • $0 to $175 copay for progressive lenses depending on prescription

VSP® Flex‍ ‍ See note a

Individual plans from $21 a month‍ ‍ See note 1

The Flex plan offers custom savings built for USAA members, giving you flexibility on your vision care. It’s ideal for those who primarily use contacts for their eyewear.

  • $0 copay for contact lens exam and $10 copay for exams
  • $250 yearly allowance for contacts or $150 for frames
  • $41 to $85 copay for an anti-glare lens coating
  • $15 copay for a blue light filter
  • $0 to $175 copay for progressive lenses depending on prescription

VSP® Plus‍ ‍ See note b

Individual plans from $23 a month‍ ‍ See note 1

The Plus plan offers exclusive savings for USAA members. It’s best if you want a higher frame allowance, anti-reflective coating or progressive lenses.

  • $10 copay for exams and $15 copay for eyeglasses
  • $200 yearly allowance for frames or $150 for contacts
  • $25 copay for an anti-glare lens coating
  • $15 copay for a blue light filter
  • $0 to $55 copay for progressive lenses depending on prescription
Explore vision plans

Notes for Types of vision insurance plans

  1. Not available in AK, CT, ID, MA, MD, OH and WA.

  2. VSP Plus isn’t available in AK, CT, ID, MA, MD, OH and WA.

How does VSP vision insurance work?

Add your spouse and dependents to your plan for less than the cost of a separate individual policy.

Steps to complete How does VSP vision insurance work?

  1. Choose a plan.

    Pay for the year or monthly.

  2. Find an in-network doctor.

    Make an appointment.

  3. Give your VSP member ID.

    No card needed.

Explore vision plans

Vision insurance FAQ

Standard plans start at $15 a month with copays ranging from $15 to $25 for an exam and glasses. And Plus plans start at $23 a month with copays ranging from $10 to $15 for an exam and glasses.

VSP can help you save over $300 a year, giving you more purchasing power.‍ ‍ See note 2 To start, explore and find the plan that's right for you.

If you have VSP and choose to see an out-of-network provider, you’ll receive less coverage.

Out-of-network coverage isn’t available in Washington and Massachusetts. It varies in Maryland. Before seeing an out-of-network provider, call VSP at 833-417-0243.

Active-duty military members receive vision care through TRICARE.

If you retired from the service, you may have the option to enroll in the Federal Employees Dental and Vision Insurance Program, or FEDVIP.

FEDVIP offers vision insurance plans as an enrollee-pay-all program, meaning you won't receive any subsidy or offset toward your plan's premium costs.

Read more about vision insurance basics and military options.

When you visit a VSP network doctor, there are no claim forms to submit.

If you chose to see an out-of-network provider, you may have higher out-of-pocket costs and will have to submit a claim form and include any itemized receipts.

Other health resources

Dental

Our plans cover cleanings, fillings and more to help keep your smile healthy.

Learn about dental insurance

Health

We offer a variety of individual and family plans to meet your specific needs.

Learn about health insurance

Supplemental

Accidental injury, critical illness and cancer plans fill gaps in your medical insurance.

Learn about supplemental

Ready to enroll in a vision plan?

Explore vision plans

Need help choosing a plan?

Speak with a licensed agent at VSP to discuss your options.

Call 833-417-0243

For TTY devices, dial 711

Hours of operation for VSP

Monday to Friday
7 a.m. to 7 p.m. CT
Saturday
9:30 a.m. to 4 p.m. CT
Sunday
Closed

Note: Days and times may vary.

Related footnotes:

  1. ©2025 Vision Service Plan. All rights reserved. VSP is a registered trademark, and VSP Individual Vision Plans is a trademark of Vision Service Plan. All other brands or marks are the property of their respective owners.

Related footnotes:

  1. Rate shown is for Georgia and varies by state. Valid through May 31, 2026. See rates for all plans. Insured by VSP Individual Plans.

  2. Savings based on state and national averages for eye exams and most commonly purchased brands and lens enhancements. This number represents average savings for VSP members at in-network providers. Your actual savings will depend on the eyewear you choose, your plan, the eye doctor you visit, your copays, and your premium. Source: VSP book-of-business paid claims data for Aug-Jan of each prior year.

Related footnotes:

  1. VSP is providing information to its members but does not offer or provide any discount hearing program. VSP makes no endorsement, representations or warranties regarding any products or services offered by TruHearing, a third-party vendor. TruHearing is not insurance and not subject to state insurance regulations. For additional information please visit https://www.vsp.com/offers/special-offers/hearing-aids/truhearing. For questions, contact TruHearing directly. Not available directly from VSP in the states of Washington and California.

  2. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  3. Health Insurance Solutions provided through USAA Life General Agency (LGA) known in CA and NY as USAA Health and Life Insurance Agency, working with select insurance companies to provide products to our members. LGA receives compensation from these companies, based on the total quantity and quality of insurance coverage purchased. Plans are not available in all states. Coverage is underwritten by the respective insurance company. Each company has sole financial responsibility for its products.

  4. "TRICARE" is a registered trademark of the TRICARE Management Activity. All rights reserved.

  5. By enrolling in VSP's Individual Vision Care Policy, you indicate you have read the following terms and conditions of the plan.

    Terms & Conditions

    THIS POLICY PROVIDES VISION BENEFITS ONLY.

    Careington International Corp. (“Careington”) provides customer service, billing services, and fulfillment services for this VSP product offering.

    Content on this page provides a brief description of the important features of your policy. It is not all-inclusive. Please refer to your policy for the actual terms and conditions that apply. In the event there are discrepancies with the information on this page, the terms and conditions of the policy will govern.

    Monthly Installment Option: If you selected the monthly installment payment option for the benefit term, you agreed to pay the required premiums for the full policy term:

    • If 12-month Policy: you agree to pay the required premium in twelve (12) installments. The first payment will be withdrawn from your credit card or checking account on the day of enrollment and the remaining eleven (11) installments will be withdrawn each month on or around the auto-payment date you selected. If a payment is not received for any reason, VSP may cancel your coverage thirty (30) days from the date your premium was due. It is your responsibility to update your payment information by accessing your account on vsp.com or calling Member Services at 800-785-0699.
    • If 24-month Policy: you agree to pay the required premium in twenty-four (24) installments. The first payment will be withdrawn from your credit card or checking account on the day of enrollment and the remaining twenty-three (23) installments will be withdrawn each month on or around the auto-payment date you selected. If a payment is not received for any reason, VSP may cancel your coverage thirty (30) days from the date your premium was due. It is your responsibility to update your payment information by accessing your account on vsp.com or calling Member Services at 800-785-0699.

    Monthly payment installments are billed one month in advance. If you choose the same month effective date, your first payment will cover two installment periods, the current month and the next month, simultaneously. Your next payment will be withdrawn the following month on or around the reoccurring auto-payment date you select.

    Renewal: This Policy is renewable at the option of the Policyholder and will automatically renew so long as premiums are paid in a timely manner, the Policyholder has not performed an act or practice that constitutes fraud and VSP continues to offer this plan. VSP will not cancel coverage under the Policy because of a Covered Person’s health status requirements for vision care services. We will mail a renewal letter to you on or around sixty (60) days prior to your auto-renewal. Non-receipt of the renewal letter does not constitute cancellation of this policy. To make changes to your current plan, call Member Services at 800-785-0699 prior to your policy renewal date. If payment is not received for any reason, VSP may cancel your plan after thirty (30) days from when your premium was due.

    Right to Return the Policy: You are permitted to return the Policy within thirty (30) days of its delivery to you and have the premium paid refunded, less the processing fee, if after examination of the Policy you are not satisfied with it for any reason. If you return the Policy to VSP at its home office it shall be void from the beginning. This means that you will be responsible for payment in full of any services received or materials purchased from the Policy effective date to the date the Policy is voided. You must submit a written cancellation request to VSP Member Services at: payment@vspindividual.com

    Other Insurance Coverage: VSP cannot coordinate plan benefits payable under this Policy with any other private or government insurance plan, including any other plan underwritten by VSP.

    Grace Period: Unless, not less than thirty (30) days prior to the premium due date VSP has delivered to the Policyholder, or has mailed to the Policyholder’s last address as shown by VSP’s records, written notice of its intention not to renew this Policy beyond the period for which the premium has been accepted, a grace period of thirty-one (31) days will be granted for the payment of each premium falling due after the first premium.

    Limitations, Exclusions & Exceptions:

    Some brands of spectacle frames and lenses may be unavailable for purchase as Plan Benefits, or may be subject to additional limitations. Covered Persons may obtain details regarding frame brand availability from their VSP Preferred Provider or by calling VSP’s Customer Care Division at 800-877-7195. Copayments and other out-of-pocket expenses apply to the eye examination and/or to the purchase of most materials. Services or materials of a cosmetic nature are not covered under this policy. Medical services and supplies are not covered under this policy. Each person covered under this policy will have higher out of pocket expenses if they use a doctor who is not part of VSP’s provider network.

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