Vision Insurance

Insurance plans often include a fixed copayment, such as $10 or $35, for eye exams, frames, or lenses. You’ll have to cover the copay amount out of pocket, and insurance covers the rest.

Also called a materials copay, this is typically a single amount you pay towards a complete pair of eyeglasses (frames and lenses) or contact lenses.

This is how much of the cost of eyeglass frames your insurance will pay for, often in the range of $100-$150. You’re free to pick frames that cost more, but you’re responsible for any amount over the allowance.

Your vision plan might only cover a certain type of lens material, or cover lined bifocals but not progressives. Lens treatments (like anti-glare or scratch resistant) may also be covered in part or in full.

In most cases, a vision plan will cover either eyeglasses or contact lenses. If you opt for contacts, there’s typically an allowance for a year’s supply (and you cover the remainder out of pocket).

This means your vision insurance covers the full cost of a product or service, and you don’t have to pay anything out of pocket.

Often a vision insurance plan will give you a discount on the remaining balance once your frame or lens allowance is accounted for.

Other special discounts available through your plan may include reduced pricing on multiple pairs of glasses or sunglasses (with or without prescription lenses) once your yearly benefits have been used.

Wisconsin Vision eye doctors are in-network providers for most vision insurance plans.

In most cases, you’ll get a better value when you choose an in-network eye doctor. Your insurance is billed directly and you only have to pay for out-of-pocket costs.

If you choose an out-of-network provider it could mean higher costs. You’ll also have to pay for everything upfront and submit an insurance claim for reimbursement.