See clearly.
Save hundreds.
Your major medical insurance likely doesn't cover routine eye care. Secure affordable Vision Insurance today to drastically cut the cost of exams, designer frames, and contact lenses.
- Coverage is incredibly affordable, often costing just pennies a day.
- No waiting periods—use your exam benefits immediately.
- Access massive networks like VSP and EyeMed.
Annual Eye Exams
Stop paying $150+ out of pocket for an optometrist visit. Most vision policies lower your routine exam cost to a simple $10 or $15 copay.
Frame & Lens Allowances
Get generous annual allowances (often $150 to $200+) to spend on designer frames, plus deep discounts on anti-glare and transition lenses.
Check Vision Rates
Compare affordable individual and family plans in minutes. Coverage can start tomorrow.
What Does Vision Insurance Cover?
Vision insurance acts as a highly effective discount club. By paying a small monthly premium, you gain access to drastically reduced pricing on the optical services you use every year.
Comprehensive Exams
Reduce the cost of your annual comprehensive eye exam (which checks for vision acuity and eye health) to a small, fixed copay.
Designer Frames
Receive an annual frame allowance (e.g., $150). If you pick frames under that amount, they are fully covered. If you go over, you get a steep discount.
Contact Lenses
If you prefer contacts over glasses, policies offer an allowance to cover your annual supply of daily, weekly, or monthly lenses.
LASIK & Laser Correction
While LASIK is considered elective and isn't fully paid for, vision networks negotiate 15% to 25% discounts on the procedure for members.
Out-of-Pocket Savings Estimator
Unlike health insurance, vision insurance is highly predictable. Input your family's annual eyewear needs to see exactly how the policy mathematically pays for itself.
Your Household Needs
Calculates average national retail costs without insurance.
Your Annual Cost Comparison
Retail Cost (No Insurance)
$1,600
Paid 100% Out of Pocket
Cost WITH Insurance
$760
Premiums + Copays
By paying a small monthly premium for the family, you slash retail optical prices down to fixed copays, resulting in an estimated net savings of $840 this year.
*Educational tool. Assumes average retail cost of $150/exam, $250/glasses, $200/contacts vs. illustrative insurance premiums ($15/mo individual, $40/mo family) with standard $15 exam copays and $40 out-of-pocket overages on eyewear allowances.
The "My Health Plan Covers It" Myth
A massive percentage of adults get to the optometrist counter and realize their major medical plan denies the claim. See why a dedicated vision policy is necessary.
| Coverage Feature | Vision Insurance | Major Medical (Health) | Paying Cash Out-of-Pocket |
|---|---|---|---|
| Routine Eye Exam (Astigmatism) | Covered ($10-$15 Copay) | Not Covered | $150 - $200 |
| Eye Disease (Glaucoma, Pink Eye) | Not Covered | Covered (Medical issue) | Full Hospital Rate |
| Prescription Glasses/Lenses | Covered (Allowance applied) | Not Covered | $200 - $600+ |
| Network Required? | Yes (VSP, EyeMed, etc.) | Yes | No |
Who Needs Standalone Vision?
Vision insurance is one of the few insurance products you are guaranteed to use and benefit from every single year.
Freelancers & Contractors
If you work for yourself and buy health insurance through the ACA (Obamacare) exchange, adult vision coverage is not included by default. You need a supplemental plan.
Families with Children
Kids' prescriptions change rapidly. Kids also break and lose glasses. A family vision plan ensures you aren't paying $300 out of pocket every time a child needs new frames.
Contact Lens Wearers
A year's supply of daily disposable contacts can easily exceed $500. Vision policies provide an annual allowance that slashes this cost dramatically.
Vision Insurance FAQs
Clear answers to help you see the value in coverage.
Can I use the policy to get glasses AND contacts?
Usually, it is an "either/or" benefit. Most standard vision plans will pay for your eye exam, and then allow you to use your materials allowance on EITHER a pair of glasses OR a supply of contact lenses for the year, but not both at the exact same time.
Is there a waiting period before I can use it?
Unlike dental insurance which often makes you wait 6 to 12 months for major services, vision insurance typically has NO waiting periods. If your policy becomes active on the 1st of the month, you can get your eye exam and new glasses on the 2nd.
Can I still go to my current eye doctor?
It depends on the network. The two largest networks are VSP and EyeMed. Most independent optometrists and major retailers (like LensCrafters, Pearle Vision, Target Optical) accept these major networks. Always check the provider directory before booking to ensure you get the lowest in-network copay.