Does Costco Take VSP? A Comprehensive Guide

In the bustling landscape of modern retail, Costco has firmly established its presence as a multifaceted conglomerate. It caters to a diverse range of customer needs, from groceries to electronics, home furnishings to jewelry, and much more.

Amidst its vast selection, Costco’s Optical Department shines brightly, offering comprehensive eye-care services. Customers often ponder, “Does Costco take VSP?” If you’re amongst them, you’ve come to the right place. This exhaustive guide will detail whether Costco accepts VSP and how to use your VSP benefits at Costco.

The Vision Service Plan (VSP) – An Overview

To thoroughly answer the question, “Does Costco accept VSP?” we first need to delve into what VSP is and the services it offers. Vision Service Plan, or VSP, is the largest vision insurance provider in the United States, committed to offering affordable, high-quality eye care and eyewear. Here’s what VSP typically covers:

  • Comprehensive Eye Exams: VSP covers routine eye check-ups, ensuring early detection and treatment of vision problems.
  • Prescription Glasses: VSP offers an allowance towards the cost of glasses or contact lenses.
  • Lens Enhancements: Lens options such as progressive lenses, anti-reflective coating, and photochromic lenses are covered under certain VSP plans.
  • Additional Discounts: VSP members can avail discounts on additional glasses and sunglasses, including leading brand names.

Costco’s Eye Care Services

Costco’s Optical Department is a hidden gem, providing a broad array of services and products to maintain your eye health. Here are some key features:

  • Full-service Optical Center: Costco provides comprehensive eye exams conducted by independent, licensed optometrists. Plus, they house a wide array of eyeglasses and contact lenses catering to various styles and needs.
  • Affordable Pricing: Costco Optical is known for its competitive pricing. They offer great value for both frames and lenses, significantly lower than many private optometric offices.
  • Quality Products: Costco ensures that low cost doesn’t mean low quality. They offer a wide variety of frames from top designers and high-quality lenses, providing excellent clarity and durability.

Does Costco Take VSP?

The question of whether Costco takes VSP has a somewhat nuanced answer. Yes, Costco does accept VSP for its optical services. However, Costco’s relationship with VSP can depend on the specific location of the Costco warehouse, as not all locations may accept VSP. Here’s a more detailed look:

  • In-Network vs. Out-of-Network: Not all Costco Optical centers are in-network VSP providers. Being in-network means the provider has agreed to negotiated rates for services and the insurance company (VSP) will usually cover more of the cost. Out-of-network providers haven’t agreed to these rates, and so, the insurance company covers less, and the patient may pay more.
  • Verifying VSP Acceptance: To ascertain whether your nearest Costco Optical center accepts VSP, it’s advisable to contact them directly and ask. This proactive step will save you from any potential disappointments or last-minute plan alterations.

How to Use VSP at Costco?

If you’ve confirmed that your local Costco accepts VSP, the next step is understanding how to use VSP at Costco. The process is relatively straightforward:

  1. Inform at the Counter: During your visit to Costco Optical, let them know you’re a VSP member.
  2. Provide Membership Information: Keep your VSP membership details ready. The Costco Optical center will require this information to verify your benefits.
  3. Utilize Your Benefits: Following verification, you can use your benefits towards your eye exams and purchases, according to the terms of your plan.

Alternative Ways to Save at Costco Optical

While VSP can provide significant savings, there are other ways to maximize your cost-effectiveness at Costco Optical, even if you don’t have VSP:

  • Competitive Pricing: As mentioned earlier, Costco offers quality eyewear at prices significantly lower than most optical retailers. This competitive pricing is a fundamental saving strategy.
  • Sales and Promotions: Keep an eye out for seasonal sales and promotions at Costco Optical. These can provide great opportunities to get high-quality eyewear at a fraction of the cost.
  • Executive Membership: Costco’s Executive Members receive a 2% reward on most purchases, which can be used towards future purchases, providing yet another way to save.

Other Vision Insurance Accepted at Costco Optical?

Costco Optical accepts several forms of vision insurance to make eye care more accessible for their customers. The exact list may vary by location and may be subject to changes over time.

  1. VSP Individual Vision Plans: Costco is an out-of-network provider for VSP, which means you can still use your VSP benefits at Costco, but the coverage might not be as comprehensive as it would be at an in-network provider.
  2. Eyemed: Eyemed is another insurance provider that some Costco locations accept. Eyemed covers a portion of the cost of eyewear or contact lenses, but the exact amount will vary based on your specific plan.
  3. Spectera: Certain Costco Optical locations accept Spectera insurance. This insurance plan often covers a comprehensive eye exam and a pair of glasses or contact lenses each year.
  4. Davis Vision: Costco is also an out-of-network provider for Davis Vision insurance, which may cover part of the cost of your eyewear or contact lenses.
  5. FSA/HSA: Costco Optical accepts Flexible Spending Account (FSA) and Health Savings Account (HSA) cards for eligible expenses. An FSA or HSA can be used to pay for many out-of-pocket health care costs, including prescription glasses and contact lenses.

What Benefits Does VSP Provide at Costco?

Using VSP at Costco can avail you of various services depending on your VSP plan. Here are the main services usually covered:

  1. Eye Exams: Comprehensive eye exams, which include vision tests and checks for common eye diseases, are generally covered by VSP.
  2. Eyewear Allowance: It typically provides an allowance towards frames and lenses or contact lenses, which you can use towards Costco’s wide array of eyewear options.
  3. Contact Lens Exam and Fitting: Some VSP plans cover or offer discounts for contact lens exams and fitting.
  4. Lens Enhancements: Your VSP plan might offer coverage or discounts for lens enhancements, like anti-reflective coating or photochromic lenses.

Remember that the specific benefits depend on your VSP plan, and since Costco is an out-of-network provider for VSP, you may need to pay upfront and submit a claim to VSP for reimbursement.

Also Read: Does Costco Do Oil Changes?

Frequently Asked Questions

Does every Costco Optical center accept VSP?

Not all Costco Optical centers accept VSP. It’s recommended to call ahead to your local Costco Optical center to confirm if they accept VSP insurance.

How can I check my VSP benefits?

You can check your VSP benefits by logging into your VSP account online. Here, you can view your coverage, benefits, and eligibility.

Can I use VSP for both eye exams and eyewear at Costco?

Yes, VSP members can use their benefits for both eye exams and eyewear at Costco Optical centers that accept VSP.

What other insurance plans does Costco Optical accept?

Besides VSP, Costco Optical also accepts a variety of other vision insurance plans, including EyeMed, Spectera, and Davis Vision. However, acceptance varies by location, so it’s best to check with your local Costco Optical center.

Can I combine VSP benefits with other discounts at Costco Optical?

Whether you can combine VSP benefits with other discounts at Costco Optical depends on the specific terms of your VSP plan and Costco’s policies. It’s advisable to check directly with Costco Optical and your VSP plan for clarity.


Addressing the question, “Does Costco take VSP?” – for most Costco locations, the answer is yes. However, remember to check with your local Costco Optical to confirm their VSP participation. As a VSP member, you’re entitled to maximize your vision benefits. Costco Optical is an excellent venue for high-quality, cost-effective eyecare solutions. See clearly, save money, and enjoy the benefits of your membership at Costco.

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