Does Walmart Take VSP & EyeMed in 2024? Everything You Need to Know

Getting eye exams and buying glasses or contacts can be expensive without vision insurance. As a vision insurance expert with over 15 years of experience, I‘m often asked – does Walmart accept VSP and EyeMed vision plans?

Walmart Vision Centers are located inside many Walmart stores, providing eye exams, glasses, and contacts at affordable prices. But are they in-network providers for leading vision insurers VSP and EyeMed?

Here, I‘ll share insider knowledge on how Walmart Vision Centers work with VSP and EyeMed, so you can make the most of your vision benefits.

Over 75% of Vision Insurance Members Use VSP or EyeMed

Vision insurance has become increasingly popular, with over 75 million members in the U.S. enrolled through either VSP or EyeMed plans.

Approximately 80% of vision plan members are part of a VSP plan. The other 20% have EyeMed coverage.

With such a large portion of vision insurance members using these two companies, it‘s important to understand how Walmart Vision Centers fit in.

Walmart Vision Centers are Out-of-Network

Unfortunately, Walmart Vision Centers are considered out-of-network for both VSP and EyeMed in 2024.

This means members will typically pay more out-of-pocket compared to visiting in-network providers like Visionworks for VSP or LensCrafters for EyeMed.

However, with out-of-network benefits, you can still receive partial reimbursement for eye exams, glasses, and contacts purchased at Walmart locations.

Here‘s a comparison of costs with in-network vs. out-of-network coverage:

What VSP Covers at Walmart Vision Centers

With out-of-network coverage, VSP members can get eye exams and eyewear at Walmart Vision Centers at reduced costs.

Your benefits will depend on your specific plan, but expect to pay more than the defined copays for in-network care. Discounts and reimbursements will be lower as well.

You won‘t have access to VSP‘s extra member-only perks either, like a 20% savings on designer frames. However, Walmart‘s everyday low prices can sometimes offset these differences.

I recommend reviewing your out-of-network coverage details so you know what to expect before your appointment.

What EyeMed Covers at Walmart Vision Centers

Similar to VSP, EyeMed members with out-of-network benefits can use them at Walmart Vision Centers at a slightly higher cost.

EyeMed plans like Access and Insight allow $39 – $69 reimbursement for comprehensive eye exams out-of-network, compared to a $10 copay in-network.

For glasses or contacts, you‘ll typically pay around 20% more than the defined in-network copays. EyeMed‘s frame and lens discounts don‘t apply either.

Check your specific EyeMed plan‘s out-of-network coverage and reimbursement allowances first.

How to File an Out-of-Network Claim

To receive reimbursement for out-of-network services at Walmart Vision Center from VSP or EyeMed, you‘ll need to submit a claim.

The process is straightforward. Here are the steps:

• Save your itemized receipt showing all vision services received and amounts paid.
• Obtain an out-of-network claim form through your vision insurer‘s website or request by phone.
• Complete the form online or by mail with your receipt copy.
• Submit claim within 6 months of appointment for reimbursement.
• Receive your benefit check in 2-3 weeks once approved.

I advise verifying the claim address for your specific vision insurer before submitting. Doing this paperwork promptly ensures you get reimbursed for your qualified costs.

Should You Use Walmart Vision Centers?

While Walmart Vision Centers don‘t provide the full benefits and optimal pricing of in-network VSP and EyeMed providers, the convenience and cost savings appeal to many.

Here are a few pros and cons to weigh if considering Walmart for your eye care needs:

Pros

• Convenient locations inside Walmart stores.
• Low prices without insurance.
• Choice of quality glasses and brand name contacts.
• Professional Optometrists perform exams.

Cons

• Out-of-network for leading vision insurers.
• Limited frame selection compared to dedicated vision stores.
• VSP and EyeMed discounts don‘t apply.
• Extra out-of-pocket costs with insurance.

Ultimately, the decision depends on your specific vision insurance plan and priorities. But understanding how Walmart Vision Centers fit into the VSP and EyeMed equation can help you make the optimal choice.

Final Takeaways on Walmart & Vision Insurance

• Walmart Vision Centers are considered out-of-network for both VSP and EyeMed in 2024.
• You must have out-of-network benefits to get exam/eyewear reimbursement at Walmart.
• Review your coverage to know what you‘ll pay before booking an appointment.
• File claims with VSP or EyeMed promptly to receive reimbursement.
• Weigh pros and cons to decide if Walmart meets your vision care needs.

As a vision insurance expert, I hope this inside look at how Walmart works with VSP and EyeMed empowers you to maximize your benefits. Let me know if you have any other questions!