Out-of-Network Vision Insurance Reimbursement Guide
VSP / EyeMed Guide
💡 Bought glasses or contacts without using insurance?
Some vision insurance plans include out-of-network benefits. If yours does, you may be able to submit a claim to your insurer yourself for a purchase made outside its network.
This guide gives general steps for members of plans such as:
- • VSP Vision Care
- • EyeMed
HapaKristin is not affiliated with VSP or EyeMed.
👀 Are you eligible?
You may be eligible for reimbursement if your vision insurance plan includes out-of-network benefits.
Eligibility depends on your specific plan, remaining benefits, covered products, and your insurer's claim requirements.
Having a receipt or purchasing contact lenses online does not guarantee reimbursement.
✅ Documents you may need
Requirements vary by insurer and plan. You may need:
- • An itemized paid receipt
- • A completed out-of-network claim form
- • Your insurance member information
- • A contact lens prescription, if requested by your insurer
- • Any additional documentation required by your insurer
🧾 How to file a claim
1️⃣ VSP Claim Process
For VSP Vision Care members:
- • Get the out-of-network claim form from VSP
- • Attach your itemized receipt and any other documents VSP asks for
- • Submit online or by mail, as VSP instructs
2️⃣ EyeMed Claim Process
For EyeMed members:
- • Log in to your EyeMed member account
- • Find the out-of-network claim form under the Claims tab
- • Upload an itemized paid receipt that includes your name, plus any other documents EyeMed asks for
📌 Claim processing times vary by insurance provider and plan. Please contact your insurer for current processing estimates.
💰 How much can you get back?
Reimbursement amounts vary by insurance plan, available benefits, and out-of-network coverage. Contact your insurance provider to confirm your eligibility and estimated reimbursement amount before making a purchase.
🎨 Non-corrective (0.00 power) contact lenses
Non-corrective (0.00 power) cosmetic contact lenses may not be covered by vision insurance. Coverage is subject to your plan's terms.
Separately, a valid contact lens prescription is required to purchase any contact lenses in the U.S., including 0.00 power cosmetic lenses. This is a purchase requirement and does not mean the lenses are covered by insurance.
📄 Your receipt matters
Insurers generally ask for an itemized paid receipt. It may need to clearly separate:
- • Products (Glasses / Contacts)
- • Eye exam
- • Individual pricing
Check your insurer's claim instructions for its exact receipt requirements.
❓ FAQ
Q. Can I get reimbursed for online purchases?
👉 Possibly. Online purchases may qualify if your plan includes applicable out-of-network benefits. Check with your insurer.
Q. Does the eye exam count too?
👉 Eye exam coverage depends on your insurance plan and whether the service is eligible under your benefits.
Q. How long does reimbursement take?
👉 Processing times vary by insurance provider. Contact your insurer for current estimates.
Q. Will I get 100% back?
👉 Not necessarily. Reimbursement amounts and limits are determined by your insurance plan.
🚀 Itemized Receipts for Insurance Claims
We provide itemized purchase receipts that you may submit to your vision insurance provider as supporting documentation for an out-of-network reimbursement claim.
Coverage and reimbursement eligibility are determined by your insurer. Submission of a receipt does not guarantee reimbursement.
Download Insurance Receipt🎯 Final thoughts
Even if you do not use insurance at checkout, you may still be eligible for out-of-network reimbursement under your vision insurance plan.
Contact your insurance provider to confirm coverage and claim requirements before purchasing.