Does VSP Vision Insurance Cover Cartier Glasses?

VSP Vision Insurance can offer partial coverage for Cartier glasses, but it depends on where and how you buy them. 

If your Cartier frames include prescription lenses, they can qualify for VSP benefits - but expect only partial reimbursement.

Non-prescription or purely fashion Cartier sunglasses are not covered under VSP. 

Understanding how VSP coverage works for designer eyewear can help you maximize your benefits while still enjoying the craftsmanship and prestige of Cartier glasses. 

Below, we’ll break down the details of what’s covered, how to file for reimbursement, and the smartest way to pair luxury with insurance-backed value.

How VSP Coverage Works

VSP’s coverage depends on whether you purchase your eyewear through an in-network or out-of-network provider. When you shop at an in-network optical store, your benefits are applied automatically at checkout. This typically includes a frame allowance that can be used toward any brand the store offers, along with coverage for standard prescription lenses. However, most in-network retailers do not stock Cartier eyewear. Cartier is a luxury brand carried primarily by high-end boutiques and authorized retailers like My Eye Gems, which are usually classified as out-of-network for VSP.

If you decide to buy Cartier glasses from an out-of-network retailer, you can still use your VSP insurance - but instead of direct discounts, you’ll need to pay upfront and request reimbursement. The reimbursement amount for frames generally ranges from $40 to $70 depending on your plan, and prescription lenses may qualify for additional partial reimbursement.

Why Cartier Isn’t in Most VSP Networks

VSP’s in-network partners typically include brands like Ray-Ban, Oakley, and Coach - eyewear lines distributed through mass optical networks. Cartier, on the other hand, operates in a different league. Its frames are handcrafted in France and Italy, often made from gold, platinum, and genuine wood. Because Cartier eyewear is sold exclusively through luxury retailers, it falls outside of VSP’s direct provider list. But the lack of in-network availability doesn’t mean you lose all benefits - you can still claim partial reimbursement after purchase.

Coverage Details for Cartier Glasses

What’s Covered

Prescription Cartier glasses are eligible for partial VSP reimbursement. You can expect your plan to cover:

• A portion of your frame cost (typically $40–$70, depending on your policy)
  
  

• A portion of your prescription lenses, especially standard single-vision or bifocal lenses
  
  

• Potentially more if your plan includes premium out-of-network benefits or higher allowances
  
  

The brand of the eyewear doesn’t disqualify you - what matters is that your glasses have a prescription. Cartier frames with Trivex or other high-quality prescription lenses fall into this category.

What’s Not Covered

Non-prescription Cartier sunglasses, even if they include UV protection or gradient tints, are considered cosmetic and are not eligible for reimbursement. Lens upgrades such as anti-reflective coating, gradient tints, or mirrored finishes usually do not qualify for out-of-network reimbursement either. These are considered premium add-ons and fall outside standard insurance allowances.

Frame Allowance Explained

VSP provides a frame allowance that can be used toward any brand. In-network, this is typically applied directly at checkout - often around $150 to $200 every 12 to 24 months. Out-of-network, you’ll need to pay the full amount and then submit a claim for a portion of that back. For example, if your Cartier frames cost $1,000 and your plan’s out-of-network frame allowance is $70, you’ll receive $70 back after submitting your claim. Some rare premium plans can reimburse up to $300, but those are exceptions rather than the rule.

How to Use VSP for Cartier Glasses

Step 1: Purchase from a Trusted Retailer

Start by purchasing your Cartier glasses from a reputable retailer, preferably an authorized dealer like My Eye Gems. Ensure that your order includes prescription lenses. You can bring your current prescription or have new lenses made to match your exact visual needs.

Step 2: Request an Itemized Receipt

Ask for an itemized receipt that clearly separates the cost of the frames, lenses, and any lens enhancements. This documentation is crucial for your reimbursement claim. The receipt should list the prescription lens type (single vision, bifocal, progressive, etc.) and include the date of purchase and the retailer’s contact information.

Step 3: Complete the VSP Claim Form

Download the VSP out-of-network claim form from the VSP website. Fill out all sections, including your personal information, policy details, and purchase information. Attach the itemized receipt to the claim form.

Step 4: Submit Your Claim

You can submit your completed claim form and receipt by mail or electronically through your VSP member portal. Processing usually takes two to four weeks, and your reimbursement will be mailed or deposited based on your account setup.

Step 5: Track and Confirm

Once your claim is submitted, log in to your VSP account to track its progress. Make sure all submitted documents are clear and legible, as missing or unclear information can delay processing.

Example Scenario: Using VSP for Cartier Eyewear

Let’s say you buy a pair of Cartier C Décor prescription glasses for $1,200, with Trivex lenses priced at $300. You pay a total of $1,500 out of pocket. You submit your claim to VSP with an itemized receipt. Your plan reimburses $70 for frames and $40 for prescription lenses - a total of $110 back. While that doesn’t offset a luxury purchase entirely, it’s still a meaningful benefit, and your HSA or FSA funds could potentially cover the remaining balance if you have them.

Maximizing Your Benefits

Combine Insurance with HSA or FSA

If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can use those funds to pay for the remaining balance on your Cartier glasses after receiving your VSP reimbursement. Both accounts allow tax-free spending on prescription eyewear, so combining these options can significantly reduce your total out-of-pocket cost.

Verify Coverage Before Purchase

Contact VSP or check your plan details before buying. Confirm the specific out-of-network reimbursement amounts for frames and lenses, and ask whether your plan offers any enhanced coverage for premium eyewear. Some higher-tier plans include better allowances or expanded coverage for designer brands.

Keep Everything Documented

Always keep a copy of your prescription, claim form, and receipts. This documentation not only supports your claim but can also help if you need to appeal a denied reimbursement.

Common Questions About Cartier and VSP

Can I Use My VSP Insurance at My Eye Gems?

My Eye Gems is an authorized Cartier retailer but typically considered out-of-network for VSP. You can still purchase your glasses there and then submit a reimbursement claim for partial coverage.

Does VSP Cover Cartier Sunglasses?

Only if they include prescription lenses. Non-prescription sunglasses are not considered medically necessary and are excluded from coverage.

What About Lens Upgrades or Coatings?

Anti-reflective, polarized, or mirrored coatings are generally excluded from out-of-network reimbursement. However, if your optometrist includes them as part of your prescribed treatment for vision correction, you may be able to appeal for partial coverage.

How Often Can I Use My Frame Allowance?

Most VSP plans renew the frame allowance every 12 or 24 months. If you’ve already used your frame benefit this period, you’ll need to wait until your next renewal before claiming again.

The Bottom Line

VSP Vision Insurance does not directly cover Cartier glasses in full, but it can help offset part of the cost. If your Cartier frames include prescription lenses, you can qualify for partial reimbursement - typically $40 to $70 for frames and additional coverage for basic prescription lenses. To claim your benefit, purchase your eyewear from any retailer, request an itemized receipt, and submit an out-of-network claim to VSP. Non-prescription or fashion-only Cartier sunglasses do not qualify for reimbursement.

Luxury eyewear and vision benefits don’t have to be mutually exclusive. With a little preparation, you can enjoy the prestige of Cartier craftsmanship while still taking advantage of your VSP coverage. That way, you’re not just investing in style - you’re investing in vision, quality, and the satisfaction of knowing that even your luxury purchase works smarter for you.