Affordable Vision Care Plans for Everyone.

Vision insurance is a way to reduce eye care expenses. In exchange for a monthly premium, the plan picks up some of the costs of vision care.

Vision insurance is different from a vision discount plan, which offers discounts on vision care. Typically, vision discount plans cost less per year than vision insurance, but you pay more for visits and eye wear than you would with insurance.

Most adults need vision correction: 66% of Americans 18 and over report using glasses, contacts, or both, according to the National Eye Institute. Depending on how often you need new lenses or eye exams, getting vision insurance may be a smart financial choice.

Affordable Vision Insurance

Vision insurance costs

Many employers offer vision insurance as a benefit. If you don’t have access to vision insurance at work, you might be able to find it for less than $20 per month. Humana offers vision insurance plans starting at $16 to $18 per month, and VSP offers plans starting at less than $17 per month per person, according to each insurer’s website. In addition to a monthly premium, you’ll likely pay a portion of costs for visits, exams, and glasses or contacts. Typically, the higher your monthly premium, the less you’ll have to pay out of pocket for these services.

HUMANA – Offers vision insurance plans starting at $16 to $18 per month

VPS – Offers plans starting at less than $17 per month per person, according to each insurer’s website.

What vision insurance pays for

Vision plans often pay at least a portion of:

  • Basic preventive care such as eye exams and vision tests.
  • Eyeglass lenses.
  • Contact lenses.
  • Eyeglass frames.
  • Lens protection for glasses, such as scratch-resistant coating.
  • Many vision insurance plans have additional options for coverage, such as:
    • Daily disposable contact lens coverage.
    • Discounts on corrective eye surgery such as Lasik.
  • Vision insurance may not pay for eye care related to medical issues. If your optometrist finds medical problems during your vision exam, he or she would refer you to a medical eye doctor such as an ophthalmologist. Although vision insurance may not cover medical services for your eyes, often does.

Where to find vision insurance

You can buy individual or family vision plans through this website as you shop:

  • Make sure the provider offers plans in your area, which you typically can do by entering your ZIP code.
  • Use the provider directory to make sure the plan covers your preferred vision specialist or to find one near you.
  • If you need an eye exam, contacts or glasses soon, choose a plan that doesn’t have a waiting period.
  • Many insurers offer vision plans alongside dental insurance, so check for combination plans if you need both types.
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