Mon. Dec 11th, 2023
EyeMed Direct visionVision insurance policy on a office table.

Below we present the best insurance companies of the 2022 vision.

Video service plan

With over 88 million members worldwide and over 40,000 1,955 network physicians, the Vision Service Plan (VSP) was founded in AD 19 and continues to grow to become the largest vision insurer in the United States.

VSP is our top pick as it offers a variety of plans, flexible coverage, and a range of price points. VSP has an A- financial stability rating from AM Best and an A + customer satisfaction rating from Better Business Bureau (BBB).

Premiums start at $ 13 per month, with a low surcharge of $ 15 for an eye exam and $ 25 for basic lenses.

This policy covers up to $150 on new frames or contact lenses, and some brands up to $170. For a fee, you can customize your plan with extras like scratch-resistant and anti-glare coatings, as well as progressive lenses.

Although insurance policies do not cover the full cost of LASIK surgery, they do provide a 5-15% rebate coupon. There are also discounts for people with diabetes who may have vision problems.

Great Healthcare

UnitedHealthcare (UHC) is the largest health insurance company in the United States, with 80,000 healthcare providers in 14 states and a financial rating of A Best (Excellent).

They offer a generous discount of up to 35% on LASIK surgery if you are using QualSight LASIK, which is why this is our top recommendation for LASIK.

Golden Rule Insurance insures UHC vision policies that are not available in Alaska, Massachusetts, Minnesota, Montana, New York, and New Mexico.

There is no waiting period for any of the vision insurance plans available. Plan A is for people who wear glasses or contact lenses and has monthly premiums of around $12. Plan B, with monthly premiums of around $16, includes add-ons for both glasses and contact lenses.

Contact lenses and spectacle lenses and frames are covered to varying degrees by insurance policies.

An annual eye exam costs $10 on both plans and includes a $150 network allowance for frames (or up to $75 off-grid), as well as a $10 lens surcharges and no contact lens surcharge.

Packages of other UHC insurance products, such as health or dental policies, can also result in rebates.

Direct Vision may not be as well-known as some of its competitors, but it is backed by Ameritas Insurance, the market leader with an A-rating from AM Best and A + from Standard & Poor’s.

Eye Med Direct vision

Direct Vision is a clear winner in our Best for Budget category, with plans starting at $ 9 per month and discounts on glasses, frames and LASIK surgery.

Through its partners VSP and EyeMed Direct Vision offers plans to people 18 years and older. The plans include two tiers, each with an annual eye exam for $15.

Both plans include a $150 allowance for a frame or contact lenses, and a $25 surcharges for single, bifocal, or trifocals lenses. The Basic plan gives you a supplement every two years as opposed to every year, which is the difference between the tiers.

If your glasses need adjustment after receiving them, you can go to the nearest Lenscrafters location.

You may also pay a higher fee for using providers outside the network. For example, the maximum Allowance for an eyesight test is $50 and the policyholder is responsible for the remainder.

Except for Massachusetts, Maryland, Montana, New York, Rhode Island, and Washington, plans are available nationwide.

Davis’s vision

Davis Vision began operations in 1917 as an optical laboratory in New York. The network covers four of the five major eyewear retailers, and online and eyewear exams can be conducted online at different locations across the country.

It has its own line of glasses, with pairs starting at $40 and including a breakage guarantee. Superior Vision is a company that sells customized plans. Versant Health owns both Davis Vision and Superior Vision.

This vision insurance offers three different types of plans: Essential, Classic and Premier. The Essential plan starts at just $12.50 per month and includes vision tests for $15, full lens coverage, and $125 frame allowance.

The Classic plan costs approximately $20.62 per month and includes a frame allowance of $150. The Premier plan costs $22.50 per month and comes with a $200 frame of supplements.

Discounts on LASIK and other health-related services are also available through Davis Vision coverage.

Offer discounts on hearing aids, the Fit Fwd wellness program and the diabetic assistance program.

The company understands the disadvantages of traditional health insurance and has developed programs to address them.


Humana is rated AM Best A- and Standard & Poor’s BBB +. Its headquarters are in Louisville, Kentucky.

Except Alaska, Hawaii, Montana, Oregon, Rhode Island, Vermont, and Washington, vision insurance plans are available in Washington and all other states. Human Vision has a network of 95,000 locations.

The simplicity of the Humany plans and the discount you get if you go over the contract or frame limit are two things we like about them (rarely with other companies).

For starters, you’ll receive a $150 allowance for glasses or contact lenses. If you exceed your frames limit, you will receive a 20% discount on your balance as well as other add-ons and services.

You will get a 15% discount on your contact lens balance if you spend more than the limit.

Humana will pay for supplies if your contacts are deemed medically necessary, but you will not be reimbursed if you have had corneal or elective refractive surgery in the past. Only network providers are eligible for these discounts.

After paying the $35 registration fee (not including the fee if you combine it with dental plans), your monthly premium will start at $11.49 with no waiting period.

For an annual eye exam online, you will have to pay $15, $40 for standard contact lens examinations, $25 for standard plastic lenses, and $15 for lens options.


Ameritas serves over 4 million customers and has received high ratings from AM Best (A) and Standard & Poor’s (A +).

It was founded in 1887 and was originally known as The Old Line Bankers Life Insurance Company of Nebraska. There are no waiting periods for any of the plans that are available nationwide.

Ameritas offers two tiers of family friendly plans starting at $23.47 per month. All tiers provide free eye tests (full coverage), but the lower tier only provides contact lenses or lenses and frames every 24 months, with an eye test deduction of $25 and a $130 bezel or contact allowance.

How much eye protection do I need?

The Affordable Price Act (ACA) does not require adult vision insurance; only child insurance is required. The amount of coverage you need varies from person to person, and there is no minimum insurance requirement.

While there is no hard and fast rule of thumb, if you find yourself in a situation where an annual eye test is recommended and other care is required, such as glasses or contact lenses, eye insurance can save you a lot of money. If you are considering additional treatment, discounts on optional treatments such as LASIK may be included.

What is the most widely accepted eye insurance?

According to our research, Direct Vision insurance is the most widely accepted, with coverage available in all 50 states and a network of over 155,000 vendors.

According to our research, basic vision insurance premiums started at around $9 per month. These plans include an annual eye exam and prescription for glasses or contact lenses. You will also have to pay copay and depending on your plan and your location, you may have to pay a deduction before your insurance goes into effect.

If you go for the more comprehensive plan, which costs around $30 a month, you’ll get a larger glasses allowance and a lower or zero eye exam subsidy.

What are the types of eye coverage?

Many insurance companies offer different levels of protection. Annual eye examinations and a certain amount for frames and lenses or contact lenses are included in all plans, including basic.

Contact lens care and appointments, various lenses and coatings, lens protection, accidental glass breakage, and increased allowance for designer frames may be covered by a more comprehensive policy.

What is usually not covered by vision insurance?

Before you buy a vision insurance policy, ask about any possible exclusions. Information should also be available in the policy terms and conditions.

The treatment of eye diseases is not covered by the eye insurance policy. General health insurance, not your eyesight policy, would cover things like treatment for injuries, cataract surgery, and antibiotics for infections.

Standard exclusions include the replacement of damaged glasses, over-the-counter reading glasses, and additional eye examinations after one year.

I do not have regular health insurance, can I take out eye insurance?

You certainly can. Vision insurance is classified as complementary insurance, which means you don’t need to be enrolled in a regular health plan to get one. Some major health plans offer discounts on supplemental plans that include visual and dental care. However, eye insurance does not require regular health insurance.

Yes, in conclusion. On the other hand, most vision plans will require you to choose between glasses and contact lenses. Paying a higher premium can sometimes get you both contact lenses and glasses.


The companies that make up our list of the best vision insurers have a mix of positive and negative traits.

Others offer instant coverage and low prices, while others have large supplier networks and high coverage limits. We hope you found this post as helpful as we promised. We wish you all the best in your search.



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