Can I Use My VSP Insurance To Purchase Glasses At LensCrafters? (Find Out!)

VSP Insurance To Purchase Glasses At LensCrafters

Yes, you can. LensCrafters accepts insurance from multiple plans online and in-store. However, some plans are only limited to in-store usage. We should also mention that LensCrafters is an out-of-network retailer from your VSP plan and so you may not enjoy the full benefits associated with your policy. Are you wondering if you can use your vision service plan to purchase glasses at LensCrafters? If yes, then you’ve come to the right place. 

If you plan to pay for an item from LensCrafters using your VSP insurance, you will only be charged the out-of-pocket amount you have to spend on that item. For other retailers out of your network, the procedure is different. 

First, you would have to cover the out-of-pocket cost yourself and then submit the receipt to your insurance company. Your insurance company will then reimburse you a portion of the cost incurred with the receipt. 

What Vision Insurance Does LensCrafters Accept? 

What Vision Insurance Does LensCrafters Accept

Earlier, we mentioned that LensCrafters accept insurance payments from multiple providers, even those they are not affiliated with, like Vision Service Plan. 

In this section, we compiled a list of insurance providers LensCrafters accept: 

Acceptable ProvidersIn-store PurchasesOut-of-Network
Health New EnglandBlue Cross – Blue ShieldVSP
Health Plan of NevadaSuperior VisionCIGNA
Mutual of OmahaEmblemMETLIFE
Nippon Life BenefitsHealthMES      –
Optima HealthFEP Vision (Through Davis Vision)Community      –
Tufts Health PlanEyeCareCulinary UnionHMSANBN (Northwest Administrators)      –
UNUMUSA For HealthcarePremera        –

What Does my Vision Insurance Cover at LensCrafters 

The answer to this question depends on the type of insurance plan you have. Typically, most vision insurance packages will cover: 

  • Eye exams 
  • Eye frames 
  • Lenses 
  • Contacts 
  • Lens protection 

To make this easier, LensCrafters has designed a 3-step process that tells you what your insurance covers and how to make use of your instance plan. 

Log onto their website and access benefits to see what you’re eligible for

Browse the available products in their catalog and see the corresponding out of pocket costs would be 

Pay for your product online or in-store 

Understanding the Claims Process at LensCrafters 

LensCrafters’ claim process depends on what type of insurance plan you have. If your insurance provider is listed under companies that can make payments online or in-store, you won’t need to submit a claim form for purchase. 

If your provider is limited to in-store purchases, then you would have to consult a sales associate before making a purchase. The same thing applies to companies out of the out of LensCrafters network. 

Whatever the case, it is essential to have your prescription information and insurance information handy. You will be required to provide this information when in contact with the sales associate, and they will handle the rest. 

Is the Coverage for In-Network and Out-of-Network Providers Different 

The cost of purchasing an item from an in-house provider is usually less expensive than purchasing from an out-of-network retailer. 

Another advantage of making purchases in-house is that the process is less tedious than out-of-network providers. For example, there is no need to consult a sales associate and submit a claims form. Not to mention you can even make your purchases online. 

We assume that the cost of purchase for out-of-network providers is more expensive than that of in-house providers because the providers have not agreed to the discounted rates. 

Frequently Asked Questions 

How much is an Eye Exam at LensCrafters? 

The answer to this is dependent on the location of the branch you visit because the doctors there set their rates based on differing reasons. 

It would be best if you called the branch closest to you and enquirer about the rate for their eye exams. 

Can I bring my Glass Frames to Save Cost?

Yes, you can. Many people prefer to purchase frames from inexpensive retailers or reuse their old frames to save cost. 

However, note that LensCrafters could refuse to make use of the frames you bring in for the following reasons: 

  • It is old and weak 
  • It is not compatible with the lenses you want to get 
  • Your frames are not compatible with your face shape; hence its effectiveness is reduced 

Will LensCrafters Adjust Glasses not purchased from Their Store? 

Ill-fitted glasses are annoying for everyone; whether your glasses are constantly sliding down your face or you’re having issues with your frame, LensCrafters will be happy to adjust your glasses for you. 

It is a free service available to everyone and anyone; hence you don’t have to buy your glasses from them to enjoy this. 


LensCrafters is one of the most popular retailers for all things eye care, and fortunately, they accept payments from many insurance providers. 

If your insurance provider is out of network like VSP, LensCrafters has provisions for such companies to enable you to enjoy your insurance benefits on purchases made from them. 

But it would help if you also considered that the benefits you enjoy would be lower when compared with purchases made with in-house networks. 

Leave a Comment

Your email address will not be published. Required fields are marked *