Vision Insurance
Eye care coverage for individuals, families, and seniors
Why it matters
Small premium, steady savings
Routine care adds up fast
A comprehensive exam plus a new pair of prescription glasses can easily run several hundred dollars out of pocket. Vision coverage pays for itself in one visit for most people.
Early detection
Eye exams can catch early signs of diabetes, hypertension, and other serious conditions along with ordinary vision problems.
Predictable copays
Low premiums, a fixed exam copay, and set allowances for frames and lenses, so there's no sticker shock at checkout.
Vision Benefits Plans
The most common type of vision coverage uses an allowance model. You pay a low monthly premium and get a set schedule of benefits: an annual eye exam with a fixed copay, a frame allowance, a lens or contact lens allowance, and discounts on upgrades like anti-reflective coating or progressives. In-network providers get the best pricing, and most plans offer out-of-network reimbursement too.
- Annual exam with a small fixed copay
- Frame and lens allowances each plan year
- Discounts on upgrades and additional pairs
Discount Vision Plans
Discount plans aren't technically insurance. They're membership programs that unlock reduced rates at participating providers. Monthly costs are the lowest of any vision option, but you pay the discounted price out of pocket instead of receiving an allowance. It's a good fit for people who only need basic eye care and want to keep their monthly expense low.
- Lowest monthly cost of any vision option
- Discounted pricing at participating providers, with no copays or allowances
- Best for occasional, basic eye care
Bundled Dental + Vision
Some carriers combine dental and vision into a single policy. Bundles simplify billing and sometimes cost a little less than buying the two separately. The trade-off: vision benefits in bundled plans can be slimmer than standalone offerings, so it's worth comparing both before committing.
Self-service option · UnitedHealthOne
Quote and enroll vision coverage in minutes
UnitedHealthOne offers individual and family vision plans with a quick online quote tool. Pop in a few details, see your monthly premium and benefits, and enroll right from your phone — the link is tied to our broker ID, so we stay your point of contact for billing or claim questions later.
- Individual and family options on one screen
- Annual exam, frame, and lens allowances spelled out up front
- Coverage often effective the first of the next month
Opens UnitedHealthOne's enrollment portal in a new tab. The link is tied to our agent attribution, so we stay your broker of record at no extra cost.
Medicare + vision
Original Medicare and vision care, covered or not
| Covered? | Notes | |
|---|---|---|
| Routine eye exam for glasses | No | Not covered by Original Medicare (Parts A or B). |
| Frames, lenses, contacts | No | Standalone vision plan or Medicare Advantage fills this gap. |
| Annual glaucoma screening (high-risk) | Yes | Covered for diabetics, family history, and other risk factors. |
| Cataract surgery | Yes | Plus one pair of post-surgical corrective lenses. |
| Macular degeneration & diabetic retinopathy | Yes | Medically necessary treatment is covered. |
| Medicare Advantage extras | Often | Many MA plans bundle routine vision benefits as an added perk. |
Excellent service — very informative on providing me dental and vision for the new plan year. Kearah Vereen is a great asset to this company. Thanks for her support.
Sheleen S.
Dental & vision client · South Carolina
Related coverage
Round out your benefits
Dental Insurance
Individual and family dental plans from low-cost DHMO to full-freedom indemnity.
Learn moreSupplemental Insurance
Accident, critical illness, and hospital indemnity plans that fill coverage gaps.
Learn moreMedicare Advantage
MA plans that often bundle routine vision benefits alongside medical coverage.
Learn more
Testimonials
What Our Clients Say
Real people. Real guidance. Real peace of mind.
I can't say enough nice things about Will Murdock and the hours he's spent helping me find the best plan. He sat on hold listening to elevator music for hours getting all the kinks worked out with my Medicare and Medicaid.
Stacey R.
Medicare client · South Carolina
I was looking for new health insurance and ended up with dental and vision too. Will offered different plans that worked for my budget. Finding insurance isn't always easy, but they made it simple.
Brittany P.
Individual & supplemental plan member · South Carolina
Sherri is incredible. In the 12 years I've handled our company's insurance, we were only ever offered the same two paths. She gave us options no previous agent had ever mentioned, worked directly with each employee, and answered every question.
Jill C.
Group benefits decision-maker · South Carolina
Kearah saved my sanity. She helped me navigate a very uncertain period of getting solid coverage — she was on every call with me and even did footwork on my behalf. I'll be calling her for life insurance next.
ILONA
Health & life client · South Carolina
Brandon is a wealth of information. He's personable, easy to talk to, and made the crazy world of Medicare make sense. He's my recommendation for friends and family getting ready to become eligible.
Matt L.
New Medicare enrollee · South Carolina
Sherri reached out to the Chamber to discuss our health plan and found us a plan with a wider range of benefits. Her knowledge of the health insurance market is remarkable, and her customer service is exceptional.
Irmo Chamber of Commerce
Member organisation · Irmo, SC
Brandon is super compassionate with older folks. He guided my mom through her Medicare open enrollment so smoothly. Thanks, Brandon.
Melissa F.
Family caregiver · South Carolina
As a self-employed small business owner, I'd always carried high deductibles and minimal coverage to make insurance work. Sherri found my family a plan with real coverage and was patient with every question I had.
Victoria A.
Self-employed plan member · South Carolina
The owner and employees were extremely knowledgeable in finding us insurance options. Sherri explained everything and answered every question. Kristian was professional and never made me feel like a burden — he was happy to help.
Allison H.
Long-time client · South Carolina
Andrew is amazing at serving his clients. He cares for them from the beginning to the end of the process. I'd recommend him to anyone looking to add health or life insurance.
Joy H.
Health & life client · South Carolina
Ancillary carriers
Our Brokerage Partners
Companion Life
Sun Life
Humana
Allstate
MetLife
Mutual of Omaha
Voya
Cigna
Unum
Ameritas
Got Questions?
Frequently Asked Questions
Have a question not listed here? Get in touch.
Vision insurance is one of the most affordable types of coverage available. The cost depends on the carrier, the level of benefits (basic vs. enhanced), whether you need an individual or family plan, and whether the plan includes allowances for premium lenses or frames. We compare standalone and bundled options so you can pick the one that pays for itself in your first visit.
Vision insurance typically covers annual or biannual comprehensive eye exams (including dilation), an allowance for prescription eyeglasses or contact lenses, and discounts on lens upgrades like anti-reflective coating or progressive lenses. Some plans also cover or discount LASIK and other corrective procedures. Routine eye exams can also detect serious health conditions like diabetes, glaucoma, and high blood pressure early.
Original Medicare (Parts A and B) does not cover routine vision care. That means no eye exams for glasses, no frames, and no contact lenses. Medicare does cover certain medical eye conditions like glaucoma screening, cataract surgery, and macular degeneration treatment. Many Medicare Advantage plans include routine vision benefits as an added perk. If you have Original Medicare and want routine eye care coverage, a standalone vision plan is your best option.
It depends on your situation. Bundled dental-vision plans can offer convenience and sometimes a slight discount, but standalone vision plans often provide better eye care benefits for the money. If your employer offers vision as part of a benefits package, that is usually the best value. If you are purchasing on your own, we compare both standalone and bundled options to find the best fit for your needs and budget.
Compare vision insurance plans, free
We help you find vision coverage that fits your needs and budget.