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Apparently, VSP coverage at Costco.com is different. I normally get $150 allowance for frames but it's only $80 at Costco. Just called VSP for an explanation and they said Costco frames are already cheap so the coverage is less. I don't get their logic at all. Hope someone can explain this to me. This is fairly standard for VSP. They can choose who is in network and what amounts they will cover and so they often choose for Costco to have a reduced benefit. The good news is that many of Costco's $80 frames sell for more than $150 at the other places which accept VSP for the full amount. Most optical places charge a lot more for their frames and lenses(look up the Luxotica empire if you’re curious why). Many eye insurance companies are affiliated with Luxotica and try to discourage people from going to Costco.