Best Vision Insurance Companies

VSP Vision Care is the largest vision insurer in the U.S.

We publish unbiased product reviews; our opinions are our own and are not influenced by payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money.

Vision insurance is a type of specialty insurance you pay for separately that covers things related to your vision and are typically not included in your health insurance plan. This can include benefits such as preventative eye exams and ophthalmologist visits, prescription eyewear, and contact lenses. Vision insurance may also give you discounts on elective vision corrective surgery.

The best vision insurance companies have a variety of available plans, are easy to sign up for, and have competitive premium costs. They also have high financial strength ratings and overall positive customer reviews.

Best Vision Insurance Companies of 2021

Best Overall : VSP Vision Care


VSP Vision

VSP Vision

  • No. Policy Types: 2
  • Coverage Limit ($): Varies
  • No. States Available: 50
Why We Chose It

VSP Vision Care is the country’s largest vision insurer covering all 50 states and it offers competitive monthly premiums with a large network of providers. 

Pros & Cons
Pros
  • Largest vision insurer in the U.S.

  • Monthly premiums start at $13

Cons
  • Occasional complaints of reimbursement being slow

  • Not combinable with Medicaid plans

Overview

VSP Vision Care was founded by a group of optometrists in 1955. It currently has over 88 million members and more than 40,000 network doctors, making it the largest vision insurer in the United States. This carrier has received an A+ rating with the Better Business Bureau.

VSP Vision offers two types of plans: Standard and EasyOptions. For the Standard plan, monthly premiums start at just $13.86 with an eye exam copay of $15, covering up to $150 in new frames. While it does not cover LASIK, you can receive a coupon for an average of 15% off of your services.

There are options for upgrades to your lenses, such as scratch-resistant and anti-glare coatings, progressive lenses, and UV protection. VSP Vision also provides savings and resources for those with diabetes since those with the health condition often also have declining vision abilities.

One drawback for those currently on Medicaid is that VSP Vision Care’s benefits cannot be combined with it. That means if you wanted to use VSP Vision’s $150 credit to pay for frames and still had $50 remaining to pay, you couldn’t use a Medicaid credit to pay the remainder. You’d have to pay out-of-pocket.

Why We Chose It: VSP Vision is our top pick because there are multiple plans with flexible coverage and costs, and because it is the largest provider of vision insurance to the most people.

Best for Plan Options : EyeMed


EyeMed

EyeMed

  • No. Policy Types: 3
  • Coverage Limit ($): Varies
  • No. States Available: 50
Why We Chose It

EyeMed is the best vision insurance company for plan options because it offers multiple plans with things like allowances for frames and no waiting periods.  

Pros & Cons
Pros
  • Wide network of providers

  • Premiums start at $5 a month

  • No waiting period

Cons
  • Baseline plan only gives a discount on frames

  • Limited options for out-of-network care

Overview

EyeMed was founded in Cincinnati in 1988 and has over 60 million members. EyeMed plans work with major providers such as Pearle Vision, LensCrafters, and Target Optical and maintains an A+ with the Better Business Bureau.

EyeMed maintains three tiers of insurance—the more you pay in premiums, the more you will receive as a discount on frames, lenses, and contacts. Their baseline plan EyeMed Healthy, starting at $5 per month, only provides a discount on frames in the form of a coupon.

The higher-priced plans EyeMed Bold and EyeMed Bright, with costs from $17.50 to $30 a month, respectively, offer better benefits. These plans give you an allowance for frames and lenses rather than a coupon. With a copay, you also cover the cost of lens improvements such as UV protection. None of EyeMed's plans have a waiting period.

When you visit one of their over 44,000 providers, you can receive a 15% off coupon for LASIK, 20% off of the remaining balance of frames, and 40% off additional pairs of glasses.

Why We Chose It: EyeMed has three insurance options to help consumers decide which coverage is most important to them for the price.

Most Comprehensive Coverage : Davis Vision


Davis Vision

Davis Vision

  • No. Policy Types: 3
  • Coverage Limit ($): Varies
  • No. States Available: 50
Why We Chose It

This provider is best for comprehensive coverage because it has multiple plans, including wellness programs and LASIK discounts. 

Pros & Cons
Pros
  • Offers wellness program, diabetic outreach program, and hearing aid discounts

  • Four out of five major eyecare retailers are part of their network

Cons
  • Poor out-of-network coverage

  • No plans cover LASIK

Overview

Davis Vision began as a family retail optical business in 1917. The modern-day Davis Vision was incorporated in 1964 when founder Lawrence Davis opened an ophthalmic laboratory in New Hyde Park, New York. Four out of five major eyecare retailers are part of the Davis Vision network, and you can get in-network exams and eyewear in locations across the country. It has its own collection of glasses, with pairs costing as little as $40 with a breakage warranty included. The company received a B from the Better Business Bureau. 

There are three types of plans offered by Davis Vision: essential, classic, and premiere. The standard plan starts at just $25.50 a month with $15 eye exams, lenses covered in full, and an allowance on frames up to $125. The classic plan costs approximately $40.32 a month and gives you a $150 allowance on frames. The premier plan is $44.13 a month and provides a $200 allowance on frames.

Davis Vision’s coverage also offers discounts on LASIK and other health-related services. It provides discounts on hearing aids, a wellness program called Fit Fwd, and has a diabetic outreach program. This company recognizes the gaps in traditional health insurance and has established programs to fill them.

Why We Chose It: Davis Vision considers your eye health as part of a bigger wellness picture that includes hearing aids and diabetic programs not always covered by medical insurance.

Best for Lasik Surgery : UnitedHealthcare


UnitedHealthcare

UnitedHealthcare

  • No. Policy Types: 2
  • Coverage Limit ($): Varies 
  • No. States Available: 44
Why We Chose It

This insurance company is best for Lasik surgery because it is available in most states and offers large discounts on LASIK surgery as well as bundling discounts. 

Pros & Cons
Pros
  • Available in 44 states

  • Coupon for 35% off LASIK

Cons
  • Coverage options vary from state to state

  • You pay more for out-of-network coverage

Overview

In 2003, UnitedHealthcare acquired Golden Rule Insurance (started in 1940), making it one of the largest healthcare providers in the country with over 75 years of experience servicing 27.8 million people. It has 1.3 million physicians in its network. The company has an AM Best Financial Rating of an A, demonstrating financial solvency and strength.

UnitedHealthcare vision coverage offers two comprehensive plans: Plan A and Plan B. Plan A is for people who only wear glasses or contacts, while Plan B covers those who wear glasses as well as contacts. Premiums start at $11.40 a month for Plan A with neither plan requiring a waiting period. Both plans have $10 copays for vision exams, $10 copays for lenses, an allowance of $150 for in-network frames, and a $0 copy for contact lenses.

There are 80,000 providers across UnitedHealthcare's networks in 44 states. Laser eye surgery (LASIK) is discounted up to 35% through providers in the Laser Vision Network of America. And if you combine your vision insurance coverage with other UnitedHealthcare coverage, such as health or dental, your total premiums will decrease.

Why We Chose It: UnitedHealthcare offers 35% discounted LASIK procedures through the Laser Vision Network of America that offers more than 550 correction locations.

Best for Contact Lens Users : Humana


Humana

Humana

  • No. Policy Types: 2
  • Coverage Limit ($): Varies
  • No. States Available: 50
Why We Chose It

Humana is ideal for users who wear contact lenses because it has multiple plans with contact lens allowances and no annual deductibles. 

Pros & Cons
Pros
  • Allowance for contact lenses

  • No annual deductibles with Vision PPO

  • Only $15 copay on annual vision exam

Cons
  • High out-of-network costs

  • Lack of plans

  • Initiation fee

Overview

Humana was founded in 1961 in Louisville, Kentucky, and is the largest owner and operator of hospitals in the country. Humana even has a foundation that provides disaster relief to areas as well as support for health organizations based in Louisville. Humana maintains an A+ rating with the Better Business Bureau.

Customers choose between two vision plan options with Humana: HumanaOne Vision Focus Plan and Humana Vision PPO. Coverage costs vary from state to state, with most plans starting between $13 and $16 per month. There is a $35 initiation fee charged your first month when you sign up—this fee is waived if you bundle with dental insurance.

Humana plans include an annual vision exam with a copay of $10 to $15. The HumanaOne Vision Focus Plan gives you $115 to spend on contacts. The Humana Vision PPO gives you $150 for contacts and access to a $40 contact lens fitting appointment. Both plans state that you'll never pay more than $40 for an annual eye exam, and if you choose the Vision PPO, you won’t even have an annual deductible.

Why We Chose It: Humana tailors policies with contacts in mind providing the most generous contact coverage, realizing that contacts are just as important for patients who use them regularly.

Final Verdict

Vision insurance can help offset the cost of vision-related expenses not covered by your regular health insurance. While all of the companies on our list have positive attributes from large provider networks to multiple plan options and discount programs, we recommend checking out VSP Vision Care first. Not only is it the largest vision insurer in the country, but it offers flexible coverage and varying costs for a variety of budgets. Additionally, it was founded by a group of optometrists so the company is well-versed in the vision industry. 

Compare The Best Vision Insurance Companies

Company Plans (#)  Coverage Limit  Waiting Period  Providers In-Network (#) 
VSP Vision Care
Best Overall
2 Varies Contact for details 40,000+
EyeMed
Best for Plan Options 
Varies  None 44, 000+ 
DavisVision
Most Comprehensive Coverage
Varies  Contact for details  Nationwide 
UnitedHealthcare
Best for Lasik Surgery 
Varies  None  80,000 
Humana
Best for Contact Lens Users 
Varies  Contact for details  Contact for details 

Guide to Choosing the Best Vision Insurance Company

How Much Vision Insurance Coverage Do You Need? 

The amount of vision insurance coverage that you need varies greatly. When trying to figure it out, assess your vision needs. If you need cataracts or want laser surgery you may need more coverage than someone who only wants to get a yearly eye exam. Think about things like if you need glasses, wear contacts, and if your prescriptions frequently change. Speak to your doctor about your needs and then discuss them with the insurance provider so everyone is on the same page. 

Compare Vision Insurance Companies

As is the case with all types of insurance, it’s recommended to shop around and compare providers. Compare savings on plans that offer a percentage discount on services and ones that cap amounts per service or visit. You will want to compare vision insurance companies on several factors including:

  • Network providers: Research where the in-network providers are and choose a company with options in your area. 
  • Type of coverage: Be familiar with what is covered such as glasses, contacts, and eye exams. Some companies may offer full coverage while others may only provide a discount, and they may only offer the option for the services once per year while others may be more flexible.
  • Exclusions: Know what the vision insurance policy doesn’t include. You don’t want to sign up for a plan and not get the services you need. For example, a plan may not include coverage for contact lenses so if you wear contact, you’ll want to choose a different provider.  
  • Price limits: Are there price limits or are certain brands excluded in the plan? Know how much you have to spend on glasses and contacts. You should also know what the maximum coverage amounts are and if they apply yearly or lifetime. 

Using Your Vision Insurance Benefits

If you purchase vision insurance, you want to get the most out of it. You want to use your benefits. Stay in touch with the company and see if they offer any discounts or extra perks. Go to your preventative care appointments and follow your doctor’s recommendations. By getting the most out of your vision insurance benefits you will save money in the long run.

Frequently Asked Questions

What Is Vision Insurance?

Vision insurance is used to help reduce the costs of glasses, contacts, and eye exams. This supplemental insurance can also help offset the costs of LASIK. Some people may opt for a vision discount plan, which can be purchased separately from insurance that provides discounts to providers rather than allowances with co-pays.

Plans vary, which means consumers need to read the coverage items before they purchase. While some plans pay for vision exams fully, others require a copay. Similarly, the coverage for glasses, lenses, and contacts varies among providers and plans.

What Does Vision Insurance Typically Include?

Vision insurance typically includes coverage for annual exams, lenses, frames, and contacts. Providers may offer higher-tier plans that also include appointments for contact fittings, lens protection, and LASIK surgery. Plans may cover certain brands or have price limits for frames and contacts.

What Does Vision Insurance Typically Exclude?

Many companies will not fully cover what they consider “elective surgery,” such as LASIK. But some insurance plans offer coupons to offset the costs. Other medically necessary eye surgeries and treatments for conditions like glaucoma and cataracts will only be covered by your health insurance.

Often, vision insurance only covers specific brands or price ranges when it comes to glasses or contacts. It's important to understand what is covered so you aren't disappointed and forced to change styles or brands. Other exclusions vary, depending on the cost and extensiveness of the plan: for example, some cheaper plans may only cover glasses and not contacts.

What Are the Expected Costs of Vision Insurance?

You should expect to pay between $5 and $15 per person per month for vision insurance. This is in addition to copays or deductibles, which vary based on which services you’re trying to get and the state in which you live. Note that some companies charge an enrollment fee as well. If you’re applying for vision insurance through your employer, you may only be able to enroll once a year.

Is Paying for Vision Insurance Worth It?

The value of vision insurance is different for each person. Consider how often you see an eye doctor and whether or not your prescriptions change frequently to help you decide if vision insurance is worth it for you.

The average eye exam without insurance can cost around $152, with the average pair of glasses with lenses in the $200 to $300 range. Assume your average annual costs are one exam and a mid-range pair of glasses costing $200; your total annual out-of-pocket cost would be $352. If you paid $12 a month for 12 months, with a paid annual vision exam and $150 credit for glasses, you'd end up paying a total of $194 and would save $158. If your vision is fine and you just want a check-up every few years, vision insurance may not be worth it for you.

Methodology

We researched and reviewed more than a dozen vision insurance companies based on factors including the number of available plans, coverage options, and coverage limits. In addition, we looked at policy costs, deductibles, and network sizes along with industry reputation and years in business.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. Better Business Bureau. “Vision Service Plan.” Accessed May 15, 2021. 

  2. American Foundation for the Blind. "A Guide To Living With Diabetes and Vision Loss." Accessed May 15, 2021. 

  3. Better Business Bureau. “EyeMed Vision Care, LLC.” Accessed May 15, 2021. 

  4. Better Business Bureau. “Davis Vision (Guardian).” Accessed May 15, 2021. 

  5. AM Best. "AM Best Revises Outlooks to Positive for UnitedHealth Group Incorporated and Its UnitedHealthcare Subsidiaries." Accessed May 15, 2021. 

  6. Better Business Bureau. "Humana, Inc." Accessed May 15, 2021. 

  7. VSP Direct. "Is Vision Insurance Worth It?" Accessed May 15, 2021.