4 Best Vision Insurance Companies

Editor’s Take

Anthem Vision is a solid choice if you’re looking for affordable coverage with generous benefits. Plans like Blue View Vision Enhanced offer annual allowances for frames and contact lenses, making them practical for regular eye care. The monthly rates are typically lower than many competitors, offering good value for individuals and families.

The provider’s network covers both independent eye doctors and national retailers, giving you flexibility in where you receive care. You’ll also find savings on popular lens upgrades such as anti-glare coatings or progressive lenses.

However, Anthem may not offer as much flexibility in plan customization compared to specialized vision insurers. If you’re seeking higher frame allowances or more frequent lens replacement, you may prefer another provider. Still, for straightforward coverage and dependable benefits, Anthem is a strong option.

Pros & Cons

Pros:

• Wide provider network with both local and national retailers
• Affordable monthly premiums compared to some competitors
• Coverage for exams, frames, lenses, and contacts
• Discounts on lens enhancements and upgrades
• Easy to bundle with health or dental insurance

Cons:

• Lower frame allowance than some vision-only insurers
• Fewer plan options for those with complex vision needs
• May not cover as many out-of-network providers
• Limited flexibility for frequent lens replacement schedules

Frame Allowance

Anthem’s vision plans provide a $150 frame allowance, which can also be applied to contacts, but you can only choose one option per calendar year. If the frames or contacts you select exceed that amount, you simply pay the difference out of pocket.

You can use this allowance at many in-network providers, including both popular retail chains and independent optical shops. Some plans also offer discounts once the allowance is spent, giving you extra savings if you want higher-end frames or specialty lenses.

Editor’s Take

UnitedHealthcare’s Plan A is a strong choice if you want affordable vision coverage paired with solid benefits. It offers a balance of value and reliability, making it attractive for individuals and families who want dependable care without overspending.

One of its biggest advantages is access to a large provider network, which means you’re more likely to find an eye doctor nearby. This flexibility is especially helpful if you move frequently or need nationwide access to care.

Plan A may not have as many customization options as smaller insurers, but it provides consistent coverage that works well for most people. With its mix of cost-effectiveness and broad availability, it’s a practical option for everyday vision care needs.

Pros & Cons

Pros:

• Lower starting monthly premiums
• Wide provider network for eye exams and eyewear
• Coverage for annual eye exams and corrective lenses
• Discounts available for frames and contacts

Cons:

• Frame allowance may be lower than some competitors
• Limited plan choices compared to standalone vision insurers
• Higher-end lens options may come with added costs
• Not always the best fit if you want premium frame coverage

Frame Allowance

UnitedHealthcare vision plans include a $150 frame allowance, which can be applied to either glasses or contacts in a calendar year. This benefit helps offset the cost of eyewear, making it easier to get new frames without paying the full price out of pocket.

If you choose frames that exceed the $150 allowance, you simply pay the difference, giving you the flexibility to pick from a wide range of styles. For those who prefer contacts, the same allowance can be applied, ensuring the benefit works for your personal vision needs.

This flexibility makes UnitedHealthcare’s vision coverage practical for individuals who want options while keeping costs manageable. Whether you prioritize glasses or contacts, the allowance provides solid support for routine eyewear expenses.

Editor’s Take

EyeMed Bright stands out for its excellent frame and contact lens allowances, along with a low copay for eye exams. With access to a large network that includes both independent optometrists and major retailers, it’s easy to find care and shop for eyewear in convenient locations.

The provider offers several plan tiers, so you can choose coverage that fits how often you need new glasses or contacts. Each tier adjusts benefits for exams, lenses, and eyewear, giving you flexibility based on your personal needs.

Beyond vision coverage, EyeMed also provides discounts on services like LASIK and hearing care. This makes it a strong choice for those who want a vision plan with added health-related savings and a wide-reaching network.

Pros & Cons

Pros:

• Wide network of providers, including retail and independent offices
• Multiple plan levels with different price points
• Discounts on LASIK and hearing care
• Easy online tools for finding providers and managing benefits
• Coverage for both glasses and contact lenses

Cons:

• Frame allowance may be lower than some competitors
• Out-of-network benefits are limited
• Some plans may have higher copays for exams
• Costs vary by state and employer, which can make comparisons harder

Frame Allowance

EyeMed provides a clear frame allowance of $200, which can be applied toward either frames or contacts. If your selection exceeds this amount, you must cover the difference, but the plan offers built-in discounts to lower costs.

For frames that go beyond the $200 limit, you’ll receive a 20% discount on the remaining balance. If you choose contacts, the discount is 15% on costs above the allowance. These savings make it easier to manage higher-end purchases without paying the full price.

By combining a generous allowance with added discounts, EyeMed gives you flexibility whether you prefer standard frames or designer options. This structure makes it easier to budget for eyewear while still enjoying a wide selection of styles.

Editor’s Take

VSP EasyOptions gives you access to one of the largest provider networks, making it simple to find an eye doctor nearby. The plan is notable for not charging copays on bifocal and trifocal lenses, benefiting those who need specialized ones.

With flexible plan options, you can choose basic coverage or more robust benefits that include a competitive frame allowance and lens discounts. These features can help cut costs on eyewear while still giving you a variety of choices.

VSP is also known for strong customer satisfaction and reliable coverage. Its scale allows it to offer consistent savings across exams, lenses, and frames, making it a dependable choice if you want affordability combined with convenience.

Pros & Cons

Pros:

• Large network of 40,000+ providers across the U.S.
• Affordable monthly premiums starting at a low cost
• Coverage includes annual exams, lenses, and lens enhancements
• Discounts on eyewear and options like anti-glare or UV protection
• Strong reputation and long history in vision benefits

Cons:

• Frame allowance may not fully cover premium designer brands
• Some plans may have limited coverage for contacts
• Benefits vary by state and employer, which can affect value
• Out-of-network coverage is less cost-effective

Frame Allowance

With VSP, you receive a frame allowance of $150, which helps offset the cost of new glasses. This allowance is designed to cover much of the expense for standard or mid-range frames, making eyewear more affordable.

If you select frames that exceed the $150 allowance, you’ll need to cover the difference. However, VSP provides a 20% discount on the amount above the limit. This makes it easier to select designer or higher-end styles without breaking your budget.

For those who prefer contact lenses, many plans allow you to apply the $150 allowance toward contacts instead of frames. This flexibility ensures you can maximize your benefits based on your vision needs and personal preference.