Vision plans can be added as a supplemental benefit to a primary medical plan and will generally cover most routine eye care through optometrists including eye exams, eyeglasses (frames, lenses) and contacts. Coverage for major eye procedures and surgeries, such as those
done by an opthalmologist, would generally run through the insured's primary health plan and less
so through the vision plan.
We can help you locate a solid vision plan for optimal eye health at a low monthly cost. The largest national networks for vision insurance or vision discount plans in the United States that we quote are VSP (Vision Service Plan), EyeMed , United HealthCare, Blue Cross/ Blue Shield and Davis Vision.
Without vision insurance, the cost for prescription eyeglasses could run as high as $500 per pair. Some plans cover LASIK procedures as well, and are sometimes offered at no additional cost alongside a dental policy.
Always read your policy for details on benefits and exclusions.
- Annual comprehensive eye exam
- Eyeglass frames allowance
- Lenses — single, bifocal & progressive
- Contact lens coverage
- Discounts on lens upgrades
- Large network of eye doctors
Vision Plans: Frequently Asked Questions
Quick answers to help you choose the right vision coverage.
What does vision insurance cover?+
Most vision plans cover a yearly comprehensive eye exam, plus an allowance toward eyeglass frames, lenses, and contact lenses — and discounts on extras like anti-glare or progressive lenses. Treatment for eye diseases such as cataracts or glaucoma usually runs through your medical plan.
Is vision insurance worth it?+
For most people, yes. Plans typically cover your annual exam for a small copay (or $0), which alone can offset the premium. Without insurance, an exam plus glasses can cost around $485 out of pocket — far more than a year of premiums.
How much does a vision plan cost?+
Individual vision plans are very affordable — often just a few dollars a month, with full plans covering an exam and eyewear starting around $17/month. Your exact rate depends on the plan and provider.
Why are eye exams so important?+
A comprehensive eye exam does more than update your prescription. Eye doctors can spot early signs of over 270 health conditions — in fact, one study found 34% of diabetes cases were first detected through a vision exam, not a medical visit.
Does a vision plan cover contacts and designer frames?+
Yes. Plans provide an allowance you can put toward frames (including many designer brands) or contact lenses. If you choose options above the allowance, you simply pay the difference — often at a discounted member rate.
Can my children get vision coverage?+
Yes. Pediatric vision care matters for learning and development, and under the ACA many health plans already cover children’s vision screenings up to age 19. A dedicated vision plan adds exams, glasses, and contacts for the whole family.
