Vision Insurance Coverage Made Simple

Most plans cover a routine eye exam with a small copay. In addition, they usually include an allowance for frames or contact lenses. Many plans also discount lens upgrades, such as anti-glare coatings. Medical eye problems, however, usually fall under your health plan. Learn more in our guide to vision benefits. Also, browse our vision FAQ page.

Many plans allow one eye exam each year. Frames are often covered every 12 or 24 months, depending on the plan. Similarly, lenses or contacts usually renew every 12 months. Most plans let you choose glasses or contacts, but not both, in the same period. So check your plan schedule before you shop.

Allowances vary by carrier and plan level. Many plans offer roughly $100 to $200 toward frames or contacts. If you pick something pricier, you pay the difference. Meanwhile, in-network stores often add discounts on top of the allowance. As a result, an in-network provider stretches your benefit further.

Eye exams check more than your prescription. In fact, eye doctors can spot early signs of glaucoma, diabetes, and high blood pressure. Early detection often makes treatment easier and less costly. People with diabetes, for example, need regular dilated exams. Learn more about coverage for people with diabetes and cholesterol and heart health.

Often, yes. Most adult medical plans do not cover routine eye exams or glasses. However, ACA plans must include vision care for children under 19. So adults usually need a separate vision plan. To bundle savings, see our dental and vision plans. Also, compare medical options on our health insurance page.

You can, but in-network providers cost much less. Out of network, many plans reimburse only a set amount. Therefore, you may pay more up front and file a claim later. Fortunately, large retail chains and many private eye doctors join major networks. For an example, review the UnitedHealthcare provider network.

Our agents compare vision plans from UnitedHealthcare, Cigna, Aflac, and Aetna. Each carrier has different allowances, networks, and copays. Also, many plans pair with dental coverage for extra savings. Compare those on our dental insurance plans page.

Many individual vision plans cost roughly $10 to $20 a month. Usually, one exam and one pair of glasses cover most of the yearly cost. Families with kids often save even more. So call 888-730-6001 or request a free quote online to compare plans today. For kids, also read about child health coverage.