Vision Insurance - VSP

Vision Insurance - VSP


Everyone needs an annual eye exam, and most families have at least one member who needs glasses or contacts.


The VSP vision plan provides you with access to quality eye care and eyewear at low out-of-pocket costs.


  • Large Provider Network: It’s easy to find a nearby in-network doctor. Maximize your coverage with bonus offers and savings that are exclusive to VSP Premier EdgeTM locations–including thousands of private practice doctors and over 700 Visionworks® retail locations nationwide.
  • Wide Selection of Eyewear: With hundreds of classic styles, designer frames, and contacts to choose from, you can find eyewear to fit your style and budget at an in-network eye care provider near you.
  • Online Shopping with Benefits: For members who prefer to shop online, you can connect your benefits and shop in-network at Eyeconic®—the VSP-preferred online retailer. See your savings in real time when you shop over 70 brands of contacts, eyeglasses, and sunglasses.
  • Value and Savings: You’ll have access to exclusive offers from VSP and leading industry brands, totaling over $3,000 in savings with Exclusive Member Extras.
  • Easy To Use Benefits: Using your VSP benefit is easy. There are no claims to file when you see a VSP provider.


Tell Me More

The vision plan is serviced by VSP Vision Care. You can add or drop this plan only once a year during the annual enrollment period held in the fall, with a coverage-effective date of October 1 of the current year. You can also enroll or make changes to your vision plan when a qualified life event occurs. New hires can enroll outside of open enrollment at any point during the first 30 days of employment to ensure coverage during the current year. There is no waiting period for enrollment eligibility.


Your benefits include:

  • WellVision Exam® an annual exam designed to detect eye and health conditions—including signs of high blood pressure and diabetes, and eye-health conditions, such as glaucoma, macular degeneration, and diabetic eye disease, for a $10 copay in-network.
  • Glasses or contacts are covered once every plan year and frames once every other plan year.
  • For frames purchased in-network, you’re provided a $130 frame allowance or $150 Featured Frame Brands* allowance every other plan year and 20% savings on the amount over your allowance. Or you use your benefit at the following retail locations, which includes a $70 Walmart/Sam's Club/Costco frame allowance every other plan year.
  • Single vision, lined bifocal, lined trifocal lenses and impact-resistant lenses for dependent children covered in full after a $10 copay in-network.
  • Standard progressive lenses are covered in full every plan year, plus an average savings of 20-25% on other lens enhancements.
  • You can purchase contacts instead of glasses, with a $130 allowance for contacts and you have up to a $60 copay for the contact lens exam fitting and evaluation every plan year.
  • Essential Medical Eye Care including covered in full retinal screening for members with diabetes who do not have diabetic eye disease. Plus, additional exams and services for members with diabetes, glaucoma, or age-related macular degeneration. Treatment and diagnosis of eye conditions, including pink eye, vision loss, and cataracts available for all members for a $20 exam copay. Limitations and coordination with your medical coverage may apply. Ask your VSP doctor for details.


To view a complete list of your plan benefits and savings, please refer to the Member Benefit Summary for the vision plan.


Current enrollees with a qualifying life event, contact 1-800-400-4569 to update your coverage.



Member Only $5.93
Member + 1 $11.27
Member + Family $17.20

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Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Do I really need vision insurance?

    Vision insurance isn’t just for people who need to wear glasses. An annual eye exam is an important part of maintaining your overall health, even if you aren’t noticing any vision problems.
  • How often should I get an eye exam?

    • An eye exam is recommended every year.
      • As a rule, you shouldn’t go longer than two years between eye exams.
      • You may need to have your eyes examined more often if you have a family history of eye diseases, diabetes, have general poor health, or you’re taking medications that may have potential side effects on the eye.
      • For more information about eye exams visit Eye Health and Wellness section.
    • An eye exam can also help your doctor see signs of common health conditions like high cholesterol, high blood pressure, glaucoma and diabetes.
  • Who is eligible?

    Active part-time Associates are eligible to participate in the plan within the first 30 days of continuous employment. Eligible dependents include spouse, domestic partner, and both married and unmarried dependent children (including children of a domestic partner) until their 26th birthday.
  • When can I enroll?

    As a new hire, you may enroll within the first 30 days of employment. You may also enroll during the annual open enrollment period. In addition, you may enroll in or change coverage if an eligible life changing event also referred to as an "IRS Permitted Election Change" is experienced, such as, marriage, divorce, or birth of a child.
  • How do I use my benefit?

    Getting started with VSP is easy. Once your vision coverage is effective, you can:

    • Create an account on where you can review your personalized plan details and eligibility.
    • Find a doctor who’s in-network and conveniently located near you.
    • Schedule your appointment. There’s no ID card required—just tell your VSP network provider you have VSP and we’ll take it from there.
  • How do I submit a claim?

    You don’t need to fill out a claim form when you see a VSP network eye doctor or provider. The doctor or provider will submit the claim directly to VSP for processing after your appointment. The doctor or provider will discuss any copays or out-of-pocket expenses with you during your appointment.
  • How do I submit an out of network claim?

    • Login to your account
    • Click on View Your Benefits, then My Benefits
    • Scroll down, click Submit an Out-of-Network Claim and follow the prompts


    Contact VSP Member Services at 800-400-4569 for help submitting a claim online or by mail.

  • What happens to my vision insurance if I leave Ross or dd’s?

    Upon separation of employment with Ross or dd’s, you may be eligible for continued coverage under COBRA. If you’re eligible you will receive a COBRA packet from VSP. If you have questions, contact VSP at 800-400-4569.
  • How can I cancel my vision coverage?

    You can cancel coverage during the annual enrollment period or if you have a qualifying family status change. Contact VSP at 800-400-4569 to make changes.
  • How do I locate an in-network provider near me?

    Click here and enter your ZIP Code to find a list of in-network providers near you. To ensure you find a doctor who participates in your plan, wait until your enrollment is processed, then create a account and log in to find a VSP network doctor. Or contact VSP at 800-400-4569.

*Only available to VSP members with applicable plan benefits. Frame brands and promotions are subject to change.


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