Introduction
Vision insurance can feel like one of those mysterious perks that’s tucked into your health plan—useful, but sometimes confusing. Between exam coverage, allowances for glasses or contacts, and questions about what applies when shopping online, it’s easy to leave money on the table. At EyeCandys, we want you to feel confident not only in how you style your eyewear but also in how you maximize your benefits. Here’s a breakdown of what’s usually covered, what’s not, and how to make the most of your plan when shopping for glasses or contacts online.
What Vision Insurance Typically Covers
Most vision insurance plans are designed to help with routine eye care and corrective eyewear. That usually includes an annual or bi-annual eye exam, which keeps your prescription up to date and your eye health in check. From there, plans often offer an allowance for prescription glasses, which may cover part of the cost of frames and lenses.
If you prefer contacts, many plans allow you to use your benefit toward them instead of glasses. This might come in the form of a yearly or bi-annual allowance that covers a supply of daily, bi-weekly, or monthly lenses. Some plans also include partial coverage for lens enhancements, like anti-glare coatings or UV protection, and even for specialty items like progressive lenses.
What’s Usually Not Covered
Just as important as knowing what’s included is understanding what typically falls outside your plan. Cosmetic products like colored contact lenses without a prescription usually aren’t covered. Over-the-counter readers, fashion eyewear, and non-prescription accessories generally don’t qualify either. Procedures like LASIK may not be fully covered, though some insurers offer discounts through partner providers.
How to Use Your Benefits When Shopping Online
One of the biggest questions we hear is: “Can I use my vision insurance online?” The answer is yes—just in a slightly different way than when you’re at your local optician. Many online retailers, including EyeCandys, don’t bill insurance companies directly. Instead, you pay for your order upfront, keep your detailed receipt, and then submit it to your insurance provider for reimbursement.
The process is simple: order your prescription glasses or contact lenses, save the invoice (and make sure your prescription details are included), and fill out your insurer’s claim form. In most cases, you’ll receive partial reimbursement for eligible items within a few weeks.
Tips for Maximizing Your Vision Benefits
The secret to making your vision plan work harder for you is timing and smart shopping. Schedule your annual exam early in the year so you can take advantage of your updated prescription before your allowance expires. Don’t wait until December to use your benefits—most reset at the end of the calendar year.
Compare prices online and in store to see how far your coverage stretches. If your plan allows, split your benefits between glasses and contacts to cover more of your needs. And remember, flexible spending accounts (FSA) or health savings accounts (HSA) can often be applied toward prescription eyewear, which is especially helpful if you love stocking up on both clear and colored contact lenses.
Why Shop Online for Glasses & Contacts?
Beyond convenience, shopping online opens up a wider selection of stylish frames and lenses—at price points that often beat traditional retail. At EyeCandys, you’ll find prescription glasses, safe and affordable color contacts, and beauty-forward lenses that let you express your style while still meeting your vision needs. Combine those savings with your insurance reimbursement, and you’ve got the best of both worlds: smart spending and stylish eyewear.
Conclusion
Vision insurance doesn’t have to be complicated once you know what’s covered and how to claim your benefits. From exams and prescription eyewear to contact lens allowances, it’s a valuable way to cut down on yearly eye care costs. Don’t let your benefits expire unused—keep your receipts, submit your claims, and make every dollar count. And if you’re ready to refresh your look, explore EyeCandys’ collection of glasses and colored contacts—you’ll not only love the style but also maximize the benefits you already have.
