Monday 15th of October 2018 08:41:45 PM
I had VSP Vision insurance before and was very satisfied. I got a job and cancelled them because insurance was offered to me cheaper through my job. I got laid off and needed my Vision insurance due to the fact I am blind as a bat. I decided to pick VSP back up because 4 years ago I was happy with them. So in February (2016) I called and of course the only payment opinions they have are the automatic payment coming from your account, which is something I don't like at all. I went ahead and continued on (my mistake) to get coverage. I used it a month after I got it. The plan I picked, now mind you I asked customer service about this because it didn't sound right, was suppose to cover glasses and contacts. That was why it was $21.00 a month. Got to the doctor, talked to the finance department to be told that the insurance only covered glasses or contact, that someone told me wrong. Ok, now at this point I am irritated.Then she took me to the frames VSP gives discounts on and told me they only cover $150 on frames on other glasses, which the cheapest pair was $249.99 or $190 on this brand or this brand. I believe it is called their "featured" brand. So I looked and looked and finally found a pair of "flexon" frames that looked and fit good enough to pass for me. When I was ready to check out, my jaw hit the floor when she told me my total. With the insurance, I was told it was a $15 copay for exam and $30 copay on lenses. WRONG... My $45 copays turned into a total bill of $198.00 of things that the insurance didn't or wouldn't cover. Ok, after I picked up my jaw and fussed with women for a minute or two, I decided I wasn't getting anywhere and just pay it and never come back. I told myself then, it may not have been just the insurance, it was the place too.But as these couple of months pass the insurance never takes out the money on my account at the same time, so I never know when to look forward when to count it out on my account. I'm not rich, so I kind of have to live from paycheck to paycheck and in this case off of money that my husband gives me. With me losing my job, I figured this could be one way to cut corners. I didn't know if they would cancel my account and if not at least help with swooping another plan. Nope!!! I called and they told me there was nothing they could do that I had a year to go on my plan and they couldn't change it. Ok, so we all know that I can't use it again and I have already paid half of my visit when I did use it, so why can't you change it. You will make your money back anyways. She offered no way of help, was short, and not to mention the insurance is crappy from the beginning.So the only solution to getting away from them, is to cancel my account. Well, I guess you gotta do what'cha gotta do!!! I am not the type to get free rides or rip people off. If anything I rip myself off. I was trying to get a lower plan especially being they didn't cover anything like they said they did. I personally will not get this insurance again, plus trying to find a VSP provider is like pulling teeth from a bear. Not going to happen to easy and I live beside a fairly large town. I hope this review helps!