You will receive a higher benefit level if you receive services from a participating VSP provider. A listing can be found on VSP's website at vsp.com. VSP Preferred Provider Coverage $20 annual deductible for exam & $20 annual deductible for materials. Coverage includes one annual exam. Lenses/contact lenses every 12 months. Frames every 24 months to set maximums. Elective contact lenses are covered up to $120.