Does Target Optical Take VSP, Eyemed & Other Top Vision Insurances?
If you‘re looking to save money on your next pair of eyeglasses or contacts, using vision insurance at Target Optical can help significantly reduce your out-of-pocket costs. But with so many vision insurance providers out there, how do you know if Target accepts your specific plan?
I analyzed Target Optical‘s vision insurance acceptance policies and researched which major providers they take. Here‘s everything you need to know about using VSP, Eyemed, and other top insurers to save money at Target Optical in 2024.
Over 50% of Vision Plans Accepted at Target Optical
The good news is that Target Optical accepts over 50 different vision insurance plans, both in-store and online. This gives consumers a wide range of options for saving on eye exams, prescription glasses and sunglasses, contact lenses, and other eye care services.
According to Target Optical‘s website, they aim to provide affordable eye care and make the insurance claim process hassle-free for customers. Their opticians will handle submitting insurance forms and claims whether you shop online or in-store.
Can You Use VSP Insurance at Target Optical?
VSP is one of the most widely-used vision insurance providers in the U.S., covering over 80 million members. The downside is that Target Optical is considered an out-of-network provider for VSP.
But that doesn‘t mean you can‘t use your VSP benefits at Target Optical. Here‘s what to do:
- Call VSP at 1-877-848-8476 before your appointment to notify them you are visiting an out-of-network provider. Verify you have out-of-network benefits available.
- Pay the full price for your eye exam, glasses, or contacts at Target Optical.
- Submit a claim to VSP within 12 months along with your itemized receipt. VSP will reimburse you based on your available out-of-network benefits.
According to VSP, members with out-of-network benefits can save an average of $200 on eye exams and $100 on frames and lenses.
Unlock Savings with Eyemed Insurance at Target
Target Optical gladly accepts Eyemed, which provides vision coverage for over 65 million members.
As an in-network Eyemed provider, Target Optical offers:
- 40% off an additional pair of prescription glasses
- 20% off non-prescription sunglasses
- Access to savings on contacts, lens treatments, and more
Plus, you‘ll get free shipping, free returns, and Target opticians handle all the claims paperwork for you.
After using your Eyemed benefits, you can apply any remaining FSA dollars to further lower your costs on eye exams, glasses, or contacts.
Other Top Vision Insurance Plans Accepted
In addition to VSP and Eyemed, the following major vision insurance providers are accepted at Target Optical locations:
- Aetna
- Blue Cross Blue Shield
- Humana
- UnitedHealthcare
- Ameritas
- Medical Mutual
- Davis Vision
- Superior Vision
- Spectera and many more
Make sure to contact your local Target Optical to verify they accept your specific vision insurance plan.
Maximize Savings with Vision Insurance at Target Optical
Here are some tips to make the most of your vision benefits when shopping at Target Optical:
Verify your coverage – Check your insurer‘s website or call them to confirm your benefits. Take note of copays, reimbursement amounts, and any limitations.
Understand exclusions – Some plans don‘t cover certain extras like premium progressives lenses or coatings. Check what‘s excluded to avoid surprises.
Use FSA funds – If available, use your FSA dollars after insurance to further reduce your costs.
Compare costs – With insurance, Target Optical‘s prices are very competitive for eye exams, glasses, and contacts. Compare prices against other retailers.
Shop sales – Look for additional savings during Target Optical sales events on frames, lens upgrades, contacts, and more.
The Bottom Line
Target Optical accepts most major vision insurance plans and makes the process of using your benefits straightforward. I recommend comparing your options and using insurance if available to minimize out-of-pocket eye care costs.
For the widest selection of frames, lenses, and contacts, Target Optical is a smart choice with or without insurance. Their opticians will handle submitting insurance claims and help you maximize savings.
