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How to Use Your Vision Insurance

Vision insurance helps ensure that your eyewear needs are covered. It is important to know how to use vision insurance so that your money and benefits don’t go to waste. Understanding your coverage plan is not as complicated as it may seem.

How Does Vision Insurance Work?

Vision insurance works similarly to health insurance. A premium needs to be paid each month and the insurance company will pay for all or part of eye care expenses for that year. The amount that the provider will pay varies based on the vision insurance plan. Most insurance plan benefits expire annually.

What Does Vision Insurance Cover?

Vision insurance should cover eye exams, prescription eyeglasses, prescription sunglasses, and prescription contacts. The amount of money that is covered for each depends on the plan that you chose. Lenses and lens enhancements may not be covered. Some out-of-pocket expenses can include scratch-resistant coating, anti-reflective coating, ultraviolet (UV) protection, progressive lenses, blended bifocal lenses, and tinted or photochromic lenses. Check your vision benefits to learn what is covered under your insurance plan.

How to Get Reimbursement from Your Vision Insurance

Davis Vision, Spectera/ United Healthcare, EyeMed, VSP, and most other insurance plans are out-of-network providers for To receive reimbursement from these insurance providers, contact them to find out what is covered. Most companies require an out-of-network reimbursement form. With that form, include the itemized receipt. To get your receipt, go to the account page on, click on the orders tab, select the order you want the receipt for, and there will be a button labeled “print receipt”. Some insurers may need a more detailed invoice than what we provide. If so, reach out to our customer service team who will be able to provide a more specified receipt. Lastly, mail, fax, or email that form and receipt to your vision insurance provider.

Is Vision Insurance Worth It?

Before signing up for vision insurance, think about how often you replace glasses or contacts and how frequently you use eye care services. If you are planning to wear the same glasses for the rest of the year and only getting an annual eye exam, it may be worth it to just pay for the eye test out of pocket. A flexible spending account (FSA) or a health savings account (HSA) are alternative ways to pay for vision expenses. However, vision insurance can protect you from any large unexpected costs or issues that may come up in the future. It may be worth it if you have to cover vision expenses for your entire family.

Visit your insurance provider’s website and sign in to your account to view all of the benefits. Get the most of your vision insurance and shop for prescription eyewear before the year is over!

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