Eye exams, glasses, and contacts — coverage that pays for what you actually use.
Vision insurance is the easiest plan to evaluate because the usage is predictable: one exam a year, glasses or contacts every year or two. We help you figure out if a standalone plan is worth it, or whether you’re better off bundling it with your health or Medicare plan.
Who this is for
- Anyone who wears glasses or contacts and pays full price every year
- Families with school-age kids who need annual eye exams
- Anyone with conditions like diabetes that require regular retinal checks
- Medicare beneficiaries whose plan doesn’t already include vision
What's covered
- Annual eye exam — usually 100% covered after a small copay
- Frames and lenses — allowance toward frames every 12–24 months
- Contact lenses — annual allowance, often in lieu of glasses
- Lens upgrades — anti-glare, progressive, transitions (varies by plan)
- Retinal imaging and specialty exams — for diabetics and certain conditions
- Discounts on LASIK and laser correction — built into many plans
How we approach this at Insured AF
Vision coverage is small dollars, but it adds up over a family of four. We look at how many people in your household actually use glasses or contacts, what your usual eyewear spend looks like, and whether a $15/month plan beats paying out of pocket. Sometimes it does. Sometimes it doesn’t.
If you already have a vision benefit through a Medicare Advantage plan or employer coverage, we’ll tell you to skip the standalone plan. We don’t stack coverage you won’t use.
Carriers we work with
We place vision coverage through Humana, Anthem/BlueCross BlueShield, and specialty vision carriers including VSP and EyeMed networks.
Common questions
Can I use my plan at Costco or Warby Parker? Depends on the network. Many plans cover Costco, Walmart Vision, LensCrafters, and Target Optical. We confirm before you enroll.
Are designer frames covered? Up to your frame allowance. Anything over that is your out-of-pocket. Some plans offer higher allowances for an extra few dollars a month.
Does it cover LASIK? Usually a discount, not full coverage. Plan on paying a significant portion out of pocket.
Can I get contacts AND glasses? Most plans cover one or the other per benefit year, not both. A few premium plans cover both.
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