Vision Insurance Plans for Individuals and Businesses
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California Vision Insurance Plans

California vision insurance plans through Vision Care Plan (VSP) gives you the freedom to choose services from the VSP network of providers (click here for providers near you) or choose a provider out of the network. As you would expect, benefits are greatest when using network providers who bill VSP for their services. Plan services from a non-network provider are paid by you when performed with reimbursement following submission of the claim to VSP.

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Coverage is available to individuals and family  members with dependent children eligible to age 26.

Click here to view the Schedule of Benefits for VSP or view the summary below for a brief description of the plan. Click here to apply online now for this product. All applications for VSP must be submitted no later than the 20th of the month prior to your desired effective date. Any applications received after the 20th of the month will automatically be effective on the 1st of the following month. California vision insurance plans through VSP is a month to month policy so you are not tied into any contract.

Asian mother and son with their eyeglasses from vision insurance
WellVision Eye Test for Vision insurance

Well Vision Exam

WellVision Exam© – Coverage from a VSP Doctor.

Find a VSP Doctor near you – click here
A WellVision Exam is more than just a quick eye check. It focuses on your eye health and overall wellness. VSP doctors get to know you and your eyes. They take the time to look for vision problems and signs of other health conditions too. Exam is available once every 12 months. Co-payment for this service is once every 12 Months.

Prescription Glasses – Lenses

Single vision, lined bifocal, and lined trifocal lenses. Polycarbonate lenses for dependent children. Lenses are available once every 12 months. Average savings of 20-25% on non covered lens options. Dependent children of members are eligible for covered-in-full polycarbonate prescription lenses.

Prescription Glasses – Frames

$130 allowance for a wide selection of frames. Plus 20% off the amount over the allowance. A frame is available once every 24 months. Co-payment applies to lenses and frames, paid once every 12 Months.


Contact Lens Care

$130 allowance for contact lenses and contact lens exam. Current soft contact may qualify for a special program that includes an initial contact lens exam and initial supply of replacement lenses. Contacts are available once every 12 months, instead of prescription glasses.


Glasses – Sunglasses

Average 20-25% savings on non-covered lens options. 20% off additional prescription and non-prescription glasses and sunglasses, including lends options from any VSP doctor within 12 months of your covered eye exam.


15% off cost of contact lens exams (fitting and evaluation).

Laser Vision Corrections

Discounts on LASIK, PRK and Custom LASIK using wavefront technology only are available from VSP-contracted facilities. Average 15% off the regular price or 5% off the promotional price. Discounts only available from contracted facilities.

Out of Network Reimbursement Amounts

Exam: Up to $34
Single Vision Lenses: Up to $17
Lined Bifocal Lenses: Up to $30
Lined Trifocal Lenses: Up to $43
Frame: Up to $38.25

J.C. Lewis Insurance Services offers other California vision insurance plans only from leading carriers licensed to do business in California.

WellVision Vision Insurance Form

Frequently Asked Questions

What are California vision insurance plans, and how do they work?

California vision insurance plans, provided by Vision Care Plan (VSP), allow individuals and families to access vision care services either within or outside the VSP network of providers. Benefits are optimized when using network providers, but coverage is also available for services from non-network providers with reimbursement.

What is covered under a WellVision Exam?

A WellVision Exam, available once every 12 months, goes beyond a basic eye check. Conducted by VSP doctors, it focuses on eye health and overall wellness, including the detection of vision problems and signs of other health conditions.

What eyewear benefits are included in California vision insurance plans?

The plans cover prescription glasses, including lenses and frames, with allowances for single vision, bifocal, and trifocal lenses, as well as contact lenses and sunglasses. Dependents receive covered-in-full polycarbonate prescription lenses.

Are there any discounts available for laser vision corrections?

Yes, California vision insurance plans offer discounts on LASIK, PRK, and Custom LASIK procedures using wavefront technology, with an average of 15% off the regular price or 5% off the promotional price at VSP-contracted facilities.

What is the reimbursement amount for out-of-network services?

Out-of-network reimbursement amounts vary, with up to $34 for exams, up to $43 for lined trifocal lenses, and up to $38.25 for frames. These reimbursements provide flexibility for individuals choosing non-network providers.

How often can I access prescription eyewear benefits?

Benefits such as prescription glasses, contact lenses, and sunglasses are available once every 12 or 24 months, depending on the specific service, ensuring regular access to vision care needs.

Can I apply for California vision insurance plans online?

Yes, applications for VSP Vision Plans can be submitted online, with a simple process that allows individuals to apply for coverage conveniently and efficiently.

What age range is covered under California vision insurance plans?

Coverage is available to individuals and family members, including dependent children eligible up to age 26, providing comprehensive vision care solutions for families.

Do California vision insurance plans offer discounts on contact lens exams?

Yes, members receive a 15% discount on the cost of contact lens exams, making it more affordable to maintain optimal eye health with regular check-ups.

Are there additional California vision insurance plans available from other carriers?

J.C. Lewis Insurance Services offers a range of vision insurance plans from leading carriers licensed to operate in California, providing individuals with options to suit their specific needs and preferences.