Vision Insurance That Helps You See Clearly
Routine eye care, glasses or contacts, and trusted networks—affordable vision coverage made simple.
Vision
Protect Your Eyes, Protect Your Health
Good vision isn’t just about looking sharp—it’s about keeping your eyes healthy and catching issues early. Vision insurance helps reduce costs for routine exams, eyewear, and lenses, so you can stay proactive rather than reactive. We’ll help you pick plans that match your vision needs, lifestyle, and budget with clarity and no surprises.
Understand plan features like copays, allowances, and frame/lens benefits
Access large in-network provider directories for glasses, contacts, eye exams
Compare costs for premiums vs out-of-pocket eyewear or lens enhancements
Learn what vision plans cover and what is typically excluded
Guidance on frequency of exams (annually or once every two years) and maximizing benefits
How
How It Works
Vision insurance can simplify the expense of eye care—but only if you know how the plans work. We’ll walk you through the essentials so you can pick wisely, get the most value, and avoid surprises.
Assess Your Vision Needs
Do you need just annual checkups, glasses or contacts, or special enhancements like progressive lenses or coatings?
Enroll & Use Your Benefits
Once you decide, we help with the paperwork, provider choices, and tracking your vision renewal schedule.
Choose Plan Type & Compare Costs
Look at premiums, copays, frame & lens allowances, network restrictions, and how often you’ll use benefits.
Review Annually
Your vision may change—frames break, prescriptions update—so reviewing your plan and comparing new options can save you money.
Standard Vision Benefits Plans
These are insurance-style plans that cover a set group of services: an annual eye exam, eyewear (glasses or contacts), and sometimes lens enhancements (anti-glare, scratch resistance, etc.). They often have in-network benefits and may provide partial coverage for out-of-network.
How much of the cost does the plan pay?
Most plans require you to pay a copay for exams and a portion of the cost for glasses/contacts or lens upgrades. They’ll also often include an allowance for frames; if you choose a pricier frame, you’ll cover the difference.
Do I have to stay in-network to get full benefits?
Usually yes. Staying in-network means your costs are lower. Going out-of-network may result in higher out-of-pocket expenses or limited reimbursement.
How often can I use my benefits or get new frames?
Many plans allow vision exams annually, and new frames or contacts every 1-2 years depending on the plan. Lens enhancements may have waiting periods or frequency limits.
Vision Discount / Savings Plans
These are not “insurance” in the full sense, but offer discounts on routine eye care, frames, lenses, etc. Instead of paying claim-based benefits, you pay reduced costs at participating providers.
What kind of savings can I expect?
Savings vary – common discounts range from 10-60% depending on the provider, service, or product (frames, lenses, contacts). Best used when you regularly purchase eyewear.
Are there waiting periods or annual maximums?
Discount plans often don’t have waiting periods or large annual maximums like insurance plans. But benefits are only as good as the participating provider network and discount structure.
Do I still pay full price if I go outside the participating provider network?
Usually yes. With savings plans, you contractually benefit only at network providers. Outside that network, there may be no coverage or reimbursement.
General Vision FAQs
You may also want to include an FAQ accordion for general questions:
Does vision insurance cover eye disease and medical treatment?
No—vision insurance mainly handles routine care. Medical eye conditions (e.g. glaucoma, infections, cataracts) are generally covered under health insurance.
What’s a frame allowance?
The maximum amount your vision plan gives toward frames. If you pick a more expensive frame, you pay the remainder.
Are lens enhancements covered?
Some are. Add-ons like anti-glare, scratch resistant, UV protection are sometimes included or offered at added cost. Check the plan details.
What is the difference between vision insurance and medical insurance for eye care?
Vision insurance mainly covers routine and preventative eye care—things like eye exams, glasses, contact lenses, and frame or lens enhancements. Medical insurance, by contrast, handles treatment of eye diseases or disorders (like glaucoma, cataracts, infections, or surgery). If you need medical eye care, your health insurance is typically the one that covers it.
What services are commonly not covered by vision plans?
Vision plans often exclude coverage for cosmetic services (non-prescription sunglasses, cosmetic lenses), medical treatment for disease, high-end or specialty lens types, and sometimes services outside network. Also, lost or broken glasses or frames may not be covered, or may only be partially covered. Always check your plan’s limitations and exclusions.
How often can I get new glasses or contacts under a vision plan?
This depends on your specific policy. Many plans allow for new corrective eyewear (frames or contacts) every 1 to 2 years. Some allow lens replacements more often, but frames usually have a fixed “frame allowance” or benefit cycle that limits how frequently you can get entirely new glasses.
How do out-of-network providers work, and what are the costs?
If you use a provider who isn’t part of your plan’s network, you may have to pay more upfront. Some plans offer partial reimbursement for out-of-network care, but often at lower coverage levels. You’ll likely need to submit a claim, and certain services may not be covered outside the network. Checking your plan’s network directory before selecting a provider can help avoid unexpected costs.
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Office
421 W Francis Ave.
Spokane, WA 99205
Hours
M-F: 9am - 5pm
Call Us
(509) 868-0364