Vision insurance
Eye exams, frames and lenses with the allowances spelled out before you pick.
What a plan includes
Vision plans focus on routine eye care. Here is what they are built for and what they leave out. Details differ by plan and state.
Covered
- Yearly eye examA routine exam is usually included, often with a small copay or none at all.
- Frames, lenses or contactsPlans give you a set allowance toward eyewear. Premium frames or special lenses can cost extra.
- Extra testsAdd-ons such as retinal imaging may be partly covered.
Not covered
- A second pairAllowances usually cover one set of glasses every 12 or 24 months.
- Laser surgeryProcedures like LASIK are typically excluded, though some plans offer a discount.Every policy is different, so read the benefits summary before you choose.
Thinking about vision coverage?
A licensed partner agent can help you compare.*
Vision coverage, in plain words
Frequently asked questions
Isn't eye care part of my health plan?
Partly. Health plans cover eye problems that are medical, such as an injury, an infection or glaucoma. Routine exams, glasses and contacts are usually not included for adults.
A vision plan fills that gap. It helps with the yearly exam, updated prescriptions and the cost of new eyewear, while your health plan handles eye disease and injury.
Can I buy a vision plan at any time?
In most cases, yes. Stand-alone vision plans are usually sold all year rather than only during Open Enrollment.
Coverage often begins soon after you enroll, so there is little waiting.
When can I use my vision benefits?
Routine exams are usually available from your start date.
Eyewear allowances and any waiting periods depend on the plan, and Orchard shows them on each plan before you enroll.
Every kind of coverage. One checkout.
Pair vision with a health, dental or protection plan and manage it all in one place.
Health plans built around your year
Filter Marketplace plans by budget, doctors and prescriptions, and bring in a licensed partner agent whenever you want a second opinion.
- Narrow dozens of plans to the few that fit you.
- See your premium tax credit applied to every price.
- Compare deductibles and copays side by side.
