I had VSP insurance for over two years and paid monthly on it. The first year I never used anything. I then went one time to the Walmart vision Center and I had an exam and bifocals and put it on the insurance. I didnt feel the value was worth the cost and went to cancel the insurance and was told that, no, I was locked down according to the contract for a full year. Stay away from this insurance !Stay S User's recommendation: Stay away from VSP!