Vision Insurance: What to Know Before You Enroll

Vision insurance covers routine eye exams, prescription eyeglasses, and contact lenses. Standalone vision plans cost $10-$25/month and typically save money if you wear glasses or contacts. Major vision plan providers include VSP, EyeMed, Davis Vision, and Superior Vision.

What Vision Insurance Covers

• Annual eye exam: $0-$15 copay (once per year)
• Eyeglass frames: $130-$200 allowance every 12-24 months
• Eyeglass lenses: Covered in full or with small copay
• Contact lenses: $130-$200 allowance in lieu of glasses
• Lens enhancements: Discounts on progressive lenses, anti-reflective coating

Is Vision Insurance Worth It?

If you wear glasses or contacts, a $15/month plan ($180/year) that provides a $200 frame allowance plus covered lenses and a free exam typically saves $200-$400 annually. If you don't wear corrective lenses, a plan may not be cost-effective—but annual eye exams can detect early signs of diabetes, glaucoma, and other conditions.

Resilience Health Advisors can bundle vision coverage with your health and dental plans. Ask about vision plans.