Yes, VSP covers visits to America’s Best, but only as an out-of-network provider. That means your VSP plan will reimburse a fixed, usually modest dollar amount for each service rather than paying the richer in-network benefit. The upside is that America’s Best submits the VSP claim for you, so you avoid the paperwork that out-of-network visits normally require.1America’s Best. Vision Insurance
What Out-of-Network Status Actually Means Here
America’s Best lists VSP among the insurance plans it works with, but classifies itself as out-of-network for VSP members.2America’s Best. Vision Insurance At most out-of-network providers, you pay the full bill upfront, then mail or upload a VSP Member Reimbursement Form with itemized receipts and wait for a check.3VSP Direct. In-Network vs Out-of-Network Eye Care America’s Best associates will file the VSP claim on your behalf instead.1America’s Best. Vision Insurance The company does not specify whether the reimbursement is sent back to the store or directly to you.
If a particular location can’t process the insurance, you can still request an itemized receipt with exam and diagnosis codes and submit it to VSP yourself.4America’s Best. How to Use Your Vision Insurance Benefits at America’s Best VSP gives you up to 12 months from the date of service to file an out-of-network claim.5FFG&A Benefits. VSP Out-of-Network Claim Form
How Much VSP Will Reimburse You
The exact amount depends on your plan, but many employer-sponsored VSP plans use the same out-of-network schedule:
- Eye exam: up to $45
- Frames: up to $70
- Single vision lenses: up to $30
- Lined bifocal lenses: up to $50
- Progressive lenses: up to $50
- Lined trifocal lenses: up to $65
- Elective contact lenses: up to $105
These figures appear across employer plans, including MetLife’s VSP Choice Network plan and Vassar College’s VSP benefits.6MetLife VSP. MetLife VSP Vision Summary 20267Vassar College. Vision Summary Provided With Meritain Plans Some plans pay less. California’s basic state employee vision plan, for instance, reimburses only up to $35 for an exam, $25 for single vision lenses, and $40 for frames.8VSP. State of California Employees Vision Handbook
Check your own plan documents for the actual out-of-network allowances. In-network benefits usually run far higher, with a $10 to $15 exam copay, basic lenses covered once per calendar year, and a frame allowance of roughly $150 to $200.9VSP Direct. Benefits and Savings10BeneFeds. VSP 2026 Plan Brochure
The Promotional Pricing Tradeoff
America’s Best is a discount retailer, and that changes the math. A standalone eye exam is $80, and a contact lens exam is $130.11America’s Best. Eye Exams12America’s Best. 2 Pair Offer13America’s Best. 2 Pairs of Progressives Offer
The catch: the two-pair promotional deals cannot be combined with any insurance plan. So VSP members have to pick one path: pay the promotional price entirely out of pocket, or buy at standard (non-promotional) prices and collect the out-of-network VSP reimbursement. Which one comes out cheaper depends on your plan’s allowances and what you’re buying. America’s Best associates can run the numbers both ways at the counter.12America’s Best. 2 Pair Offer Mike Vaughan, a Retail Operations Manager at America’s Best, has said customers may spend less overall at America’s Best out of network than at a private-practice in-network provider.4America’s Best. How to Use Your Vision Insurance Benefits at America’s Best
FSA and HSA funds can be used for eye exams, glasses, and contacts at America’s Best regardless of which path you choose.14America’s Best. How to Use Your Vision Insurance Benefits at America’s Best
What to Bring to Your Appointment
Bring your driver’s license or state-issued ID along with your VSP insurance card. If you don’t have the card, give the associate your employer’s name and they can pull up your plan.14America’s Best. How to Use Your Vision Insurance Benefits at America’s Best After your exam, the associate reviews your plan details, including frame allowance and copays, and tells you what you owe. For contact lenses, your dollar allowance is applied to as many boxes as it covers, and you pay the difference. Insurance customers also get 40% off a second pair of glasses.
When VSP Won’t Reimburse You at All
If you bought your plan directly through VSPDirect.com rather than through an employer, large retail chains are generally not in-network, and the out-of-network reimbursement amounts tend to be lower.15VSP Direct. Our Plans16VSP Direct. VSP Vision Insurance FAQ Part 217HMAA. VSP Individual Plan Base If you live in one of those states and have a VSP Direct plan, a trip to America’s Best will yield no reimbursement.
In-Network Chains If You Want Fuller Benefits
VSP members who want to keep more of their benefit have in-network chain options. For the federal FEDVIP plan, VSP lists Visionworks, Eyemart Express, Walmart and Sam’s Club, and Pearle Vision as in-network.18BeneFeds. FEDVIP VSP At Visionworks and Eyemart Express, members can apply the full featured frame brand allowance to any frame in the store. Walmart and Sam’s Club use a standard frame allowance.
Verifying Coverage at Your Store
Not every America’s Best location processes every insurance plan, so call the specific store before booking.19America’s Best. Vision Insurance Ask whether that location handles VSP claims and how billing will work for your plan. The store locator on americasbest.com has phone numbers for each location.20America’s Best. Laurel, MD Store Location