Life & Health — Individual
Individual Vision Insurance
Clear vision, clear savings — coverage that pays for itself every year.
Vision insurance is one of the most-used benefits available — and one of the easiest to overlook when you're managing coverage on your own. Individual and family vision plans cover routine eye exams, prescription lenses, frames, and contacts at a fraction of out-of-pocket cost. If you're self-employed, uninsured, or your health plan doesn't include vision, a standalone vision policy is a simple, affordable addition that pays for itself in the first visit.
What's Covered
- Annual comprehensive eye exams — often covered with a small copay
- Prescription eyeglass lenses — single vision, bifocal, and progressive
- Frames — allowance toward any in-network frame selection
- Contact lenses — allowance in lieu of glasses (elective or medically necessary)
- Discounts on LASIK and other refractive surgery through participating providers
- UV coating, anti-reflective coating, and other lens upgrades at a discount
- Coverage for children's vision — often a component of ACA-compliant health plans
Why It Matters
A comprehensive eye exam doesn't just measure your prescription — it screens for glaucoma, macular degeneration, diabetic retinopathy, and other conditions that can steal your vision silently. Without insurance, a complete exam plus lenses and frames can easily run $300–$600 or more. A vision plan typically costs $10–$20 per month and covers most of that cost — making it one of the highest-value benefits dollar for dollar.
Common Questions
Is vision insurance different from a vision discount plan?
Yes. Vision insurance is true insurance that covers defined benefits up to a specified allowance. A discount plan gives you reduced pricing at participating providers but doesn't pay claims. We'll help you determine which makes more sense based on how often you use vision care.
Can I use my vision insurance at any eye doctor?
In-network providers offer the best value, but most plans allow out-of-network use with reduced reimbursement. We review the provider networks for any plan we recommend to make sure your preferred eye doctor is included.
Does vision insurance cover LASIK?
Standard vision plans don't pay for LASIK outright, but most provide a meaningful discount — typically 15–50% — through affiliated providers. Some premium vision plans include a LASIK benefit allowance. If LASIK is on your horizon, we can factor that in when selecting a plan.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.