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Vision plans for you and your family

We're here to help ensure you and your family have the vision coverage you need to live your best lives, confidently and within your budget. Because your vision health plays a major role in your overall well-being, vision coverage can help you maintain your quality of life and support your daily functioning. And regular exams can even help you spot more serious health conditions, like diabetes, earlier.

Find a plan
Woman trying on new glasses frames in an optical shop.

Three plans to choose from, starting at just $12/month¹

Powered by VSP®, our cost-effective vision insurance plans help those who don't have access to benefits through work get the care they need. This includes an annual Well Vision Exam® for just a $15 copay when you or someone covered under your plan visit a doctor in the VSP network. One pair of glasses or contacts are covered up to your plan allowance each year after a $25 copay. Plus, you can save 20% on an additional pair of glasses and see a typical annual savings over $300.²

  • Achiever

    Our most comprehensive vision plan designed for those who want top-tier coverage. Enjoy premium options with a $225 frame allowance per year and a wide range of benefits.

  • Core

    A well-rounded vision plan that delivers great value and choice. Featuring a $160 frame allowance per year.

  • Standard

    Designed for those who want reliable protection for eye exams and eyewear with a $150 frame allowance per year.

Find the vision plan that works best for your lifestyle and budget

It's easy to enroll online, so you and your family have the coverage you need.

Get started

What does vision insurance cover?

Individual vision insurance plans cover all or a portion of the cost of most routine vision care, including the following:

Additional savings

More to take advantage of, to help you live confidently.

  • Laser vision correction

    For laser vision correction, you can get an average of 15% off regular price or 5% off promotional price at participating VSP network locations.

  • Hearing aids

    Individuals in most states can also save up to 60% on a pair of digital hearing aids through TruHearing®,³ along with additional savings on hearing aids batteries for yourself and your family members.

Find a Guardian vision plan today

All fields are required unless marked optional.

Find an eye doctor near you

Looking for an eye doctor? View a list of VSP network doctors in your area.

Find an eye doctor

Medicare and vision insurance

Aging can contribute to vision loss. And regular vision exams can help spot other conditions not related to eye health, like diabetes, sooner. That's why vision coverage is essential to help maintain quality of life. With Guardian and VSP, you can get cost-effective routine eye exams and the support you need for your vision health and overall well-being.

While some Medicare Advantage plans offer health, vision, and dental insurance benefits, Original Medicare (Part A and Part B) only offers limited vision coverage that doesn't include most routine eye care. If you’d like more robust coverage, we can help you find the right plan.

Older woman getting an annual eye exam.

FAQ

¹ Based on standard plan in FL. Costs vary by state and available plan type selected.

² Savings based on national averages for eye exams and most commonly purchased brands. This amount represents average savings for VSP members. Your actual savings will depend on the eyewear you choose, the plan available to you, your copays and your premium.

³ 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. TruHearing provides discounts for hearing aid sales and services; the member is obligated to pay for the hearing exam. For additional information please visit 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.

Savings are based on national averages on comprehensive eye exams and most commonly purchased frame brand and may vary by VSP plan and purchase selection, average savings determined after benefits are applied. Brands and promotions are subject to change, https://www.vspdirect.com/about-vsp

This information is not intended for residents of Arizona and New Mexico.

Vision

Vision insurance is provided by VSP and billing and premium collection services for such vision insurance are conducted by DTC GLIC, LLC (d/b/a DTC GLIC Insurance Sales, LLC in California). DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America ("Guardian").

Guardian and DTC GLIC, LLC are not affiliated with VSP and Guardian and DTC GLIC, LLC do not assume any responsibility or liability for non-Guardian products or services, including those offered by VSP.

TruHearing®

TruHearing’s digital hearing aid discount plan is available to VSP members and is not insurance. TruHearing is an independent third party not affiliated with Guardian. The discounts for hearing aids are available only from participating TruHearing providers and will vary depending on the provider or service received. TruHearing does not make payments to providers for the services received under the discount plan. You are obligated to pay for all medical or ancillary services but will receive a discount from those TruHearing providers that have contracted with Truhearing. VSP does not provide or operate any discount hearing program. The relationship between VSP and TruHearing is that of independent contractors. VSP makes no endorsement, representations or warranties regarding any products or services offered by TruHearing, a third-party vendor. The vendor is solely responsible for the products or services offered by them. Not available in WA, UT, MD or CA. To obtain additional information go to TruHearing.com or call 1-844-571-9952.

VSP is providing information to its members but does not offer or provide any discount hearing program. The relationship between VSP and TruHearing is that of independent contractors. VSP makes no endorsement, representations or warranties regarding any products or services offered by TruHearing, a third-party vendor. The vendor is solely responsible for the products or services offered by them. If you have any questions regarding the services offered here, you should contact the vendor directly.

TruHearing offers individuals the opportunity to purchase hearing aids at discounted prices, including individuals covered by self-funded health plans not subject to state insurance or health plan regulations. TruHearing is not insurance and not subject to state insurance regulations. TruHearing provides discounts to certain health care groups for hearing aid sales and services; TruHearing provides fitting, programming and three adjustment visits at no cost; the member is obligated to pay for testing, and all post-fitting hearing care services, but will receive a discount from those health care providers who have contracted with TruHearing. Not available directly from VSP in WA, UT, MD or CA.

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Every plan includes an annual Well Vision Exam® for just $15 at a doctor in the VSP network.

Lenses are covered up to your plan allowance after a $25 copay for prescription glasses. Single vision, lined bifocal, and lined trifocal lenses are covered in full. Impact-resistant (polycarbonate) lenses for children are covered in full.

Frames are covered up to your plan allowance, plus 20% off on any coverages. VSP members also get an extra $20 allowance for featured frame brands.

Contacts and contact lens exams (fitting and evaluation) are covered up to your plan allowance (in lieu of lenses and frames). 15% savings on a contact lens exam.

There’s a high likelihood your eye doctor is in network. VSP has one of the largest independent doctor networks in the country. So, you’ll have plenty of options near you. To know for sure, go to Find A Doctor and enter your ZIP code.

With VSP® Individual Vision Plans there are no waiting periods. When you are ready to use your benefits, there will be an exam and materials deductible that will apply prior to services being utilized.

No. Each member of your family covered on your plan can choose their own eye doctor.

To get the most from your benefits, we recommend you choose a VSP network doctor. VSP has the largest independent doctor network in the country. And an added benefit of seeing a VSP network doctor is that there are no claim forms to complete. You can find an eye doctor in VSP’s network here.

If you choose to see an out-of-network doctor, you’ll receive less coverage. Payment will be expected at the time of your visit, and following your appointment, you’ll need to complete a claim form and include any itemized receipts.

Continuing your vision coverage is easy. Each year, your plan will automatically renew for another 12 months. We'll remind you 60 days in advance of your renewal. If you wish to make any changes to your coverage, you can call our Guardian Service Team at 866.569.9900. Our service center is open Monday through Friday from 9:00 a.m. to 9:00 p.m. (ET).

Large chain optical centers such as Costco, Walmart, Cohen’s, etc. are not in-network for plans sold on this site. Please be aware if you choose to go to an out-of-network provider, you’ll have to complete a claim form and include any itemized receipts and will be reimbursed at lesser out-of-network coverage amounts.