See clearly, save more
Affordable vision coverage for exams, glasses, and contacts.
Vision insurance covers annual eye exams plus allowances for glasses frames, lenses, and contact lenses—often at a fraction of retail prices.
Compare vision plans and find coverage that works for your eyes and your wallet.
Talk to an insurance guide
Licensed pros walk you through quotes, discounts, and next steps in minutes.
Vision Insurance Explained
What is vision insurance?
Vision insurance is coverage for eye care services that most health insurance plans don't include. It typically covers annual eye exams (checking your vision and eye health), plus provides allowances or discounts for glasses and contact lenses. For people who wear corrective lenses, vision insurance makes annual eye care significantly more affordable.
Most vision plans work on an allowance system: you get a set dollar amount (often $100-$200) to spend on frames and another allowance for lenses or contacts. The plan may also provide discounts on amounts beyond your allowance. Eye exams are usually covered with a small copay ($10-$25) or at 100%. Some plans also cover discounts on LASIK surgery.
Vision insurance makes the most sense for people who wear glasses or contacts and need annual prescriptions. If you don't need vision correction, the value is mainly in annual eye health exams—which can detect early signs of conditions like glaucoma, diabetes, and high blood pressure.
How it works
Getting health coverage is easier than you think
Whether you're shopping during open enrollment or have a qualifying life event, we make it simple to find the right plan.
Step 1
Share your vision needs
Tell us whether you wear glasses, contacts, or both, and how often you update your prescription.
2 minutes
Step 2
Compare vision plans
See exam copays, frame allowances, lens coverage, and contact lens benefits from available plans.
Instant quotes
Step 3
Enroll and see the savings
Choose your plan and start saving on your next eye exam and glasses or contacts.
Fast enrollment
Key decisions
What you need to know
Understand the important factors when choosing vision insurance.
Annual exams covered
Get your yearly eye exam for a small copay ($10-$25) or free—detecting vision changes and eye health issues early.
Save on glasses
Frame allowances of $100-$200 plus lens coverage make new glasses much more affordable than retail.
Contact lens benefits
Get an allowance for contacts or a copay for an annual supply—often $100-$150 in value.
Large provider networks
Major vision plans are accepted at thousands of optical retailers, eye doctors, and vision centers nationwide.
Guided help
Professional help navigating health insurance
Health insurance can be confusing with deductibles, copays, networks, and more. Our licensed agents take the time to explain your options in plain English.
- Help comparing frame and lens allowances
- Guidance on glasses vs. contact lens benefits
- Assistance finding plans accepted by your eye doctor
- Information on LASIK discounts if interested
Ready to explore your options? We're here to help.
Understanding your costs
Vision insurance is simpler than health insurance. You pay a small copay for your annual eye exam ($10-$25 or $0). For glasses, you get a frame allowance ($100-$200) and lens coverage (basic lenses often 100%, upgrades at a copay). For contacts, you typically get an allowance ($100-$150) toward an annual supply. Any costs above your allowance come out of pocket, but many plans offer discounts beyond the allowance.
Questions?
Common questions about vision insurance
Is vision insurance worth it?
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If you wear glasses or contacts, usually yes. An eye exam costs $100-$200 out of pocket. Glasses can cost $200-$500+. A vision plan costing $10-$20/month ($120-$240/year) that covers exams and provides $150+ in frame/lens benefits often pays for itself—plus you're covered for additional purchases.
Can I get both glasses and contacts with vision insurance?
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Most plans provide either glasses OR contacts each year, not both. You choose which benefit to use. Some plans offer both with different allowance amounts. If you wear both, compare plans carefully to see which provides the best combined value.
What's the difference between a vision exam and a medical eye exam?
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A vision exam (covered by vision insurance) checks your prescription and basic eye health. A medical eye exam (covered by health insurance) diagnoses and treats eye conditions like glaucoma, cataracts, or diabetic retinopathy. If you have an eye health issue, that may be covered by your health plan instead.
Does vision insurance cover LASIK?
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Most vision plans don't cover LASIK directly, but many offer discounts of 15-50% off the retail price through partner providers. If LASIK is in your plans, look for vision insurance that offers meaningful LASIK discounts.
Vision Insurance guides and resources
Dive deeper into vision insurance topics with our expert guides and comparisons.
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Read moreReady to find the right vision insurance plan?
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