Top Vision Insurance Plans That Cover Glasses

Finding affordable eye care isn't easy—especially when you realize that most general health insurance plans don't include coverage for vision. If you wear glasses or need them soon, you’ve probably searched for vision insurance that covers glasses and discovered how complicated the options can be.

Fortunately, there are several trusted plans available that specifically help cover the cost of eye exams, frames, lenses, and even prescription sunglasses. In this article, we’ll break down what vision insurance really covers, who needs it, and which plans are worth considering.

🧐 What Is Vision Insurance and How Does It Work?

Vision insurance is a specialized type of coverage that helps pay for routine eye care, such as:

• Annual eye exams
• Prescription eyeglasses
• Contact lenses
• Discounts on corrective surgery (like LASIK)

Unlike health insurance, vision insurance is often sold as a standalone plan or as an add-on through an employer or private provider. Most vision plans work on a discount model with allowances for frames and lenses every 12 or 24 months.

👓 Why You Need Vision Insurance That Covers Glasses

While you can technically pay out-of-pocket for a basic pair of glasses, quality eyewear can get expensive. Between designer frames, high-index lenses, and extras like blue light protection or transition lenses, costs can add up fast.

The right vision insurance plan can reduce:

• Your exam costs (some plans reduce them to $0)
• The price of frames and lenses through annual or biennial allowances
• The cost of upgrades, like scratch-resistant coatings or progressive lenses

It’s especially valuable if:

• You wear glasses every day
• You have a changing prescription
• Your child or teen also needs eyewear

🏆 Best Vision Insurance Providers That Cover Glasses

Here are some of the most trusted options available that offer great glasses coverage:

1. VSP (Vision Service Plan)

VSP is one of the largest vision insurance providers in the U.S. and a preferred choice for millions.

Why it’s trusted:

• Offers up to $150 toward frames every year
• Eye exams are often just $10 copay
• Access to a huge network of independent optometrists
• Discounts on lens upgrades and second pairs

Ideal for: Individuals or families needing broad coverage and network flexibility

2. EyeMed

EyeMed is another major provider that works with popular optical retailers like LensCrafters and Target Optical.

Why people like it:

• $130–$200 frame allowance depending on the plan
• Vision exam copay as low as $5
• Discounts on contact lenses and LASIK
• Online ordering through participating providers

Best for: People who prefer in-store retail options or online ordering

3. UnitedHealthcare Vision

UnitedHealthcare Vision plans are widely available and often bundled with health or dental coverage.

Key benefits:

• $150 frame or contact lens allowance
• Low copays for exams
• National network with thousands of providers
• Good for families and employer-sponsored plans

Best for: Those already using UHC or looking for bundled benefits

💬 What Does "Covers Glasses" Actually Mean?

When a plan says it “covers glasses,” it usually means:

• You’ll receive an allowance toward a pair of frames (e.g., $150 per year)
• You get access to discounted lenses and coatings
• You may pay only a copay or small percentage of the total cost
• Some plans also offer a second pair benefit or discounts on sunglasses

It’s important to check:

• How often the benefit resets (12 vs. 24 months)
• Whether the frame allowance includes lens costs or not
• If upgrades like anti-glare or photochromic lenses are included or discounted

🧾 Comparison Table: Top Vision Plans

🧠 Quick Tips When Choosing Vision Insurance

• Look at how often benefits reset (annually or biennially)
• Consider if you prefer online, retail, or private optometrists
• Calculate total out-of-pocket: exam + glasses + lens upgrades
• Double-check if coverage applies for children or dependents
• Review how LASIK or other procedures are discounted

🙋 Frequently Asked Questions

Is vision insurance worth it if I only need glasses once every few years?

Yes, especially if you use higher-end lenses or need exam coverage. You can often save more than you spend on premiums.

Can I use my vision insurance for prescription sunglasses?

Most plans apply your frame allowance toward any prescription eyewear, including sunglasses, as long as the provider is in-network.

Does vision insurance cover contact lenses too?

Yes, most plans let you choose between glasses or contacts for your annual benefit. Some even offer coverage for both with upgrade fees.

Can I enroll without having employer-sponsored benefits?

Absolutely. All providers listed here offer individual plans, so you can get vision insurance that covers glasses even if you're self-employed or between jobs.