Vision Insurance
Original Medicare doesn't cover routine eye exams or eyeglasses. A vision plan keeps your annual exam and eyewear costs manageable.
What Vision Insurance Typically Covers
- Annual comprehensive eye exams
- Prescription eyeglasses (frames and lenses)
- Contact lenses (in lieu of glasses benefit)
- Lens enhancements — anti-reflective coating, progressive lenses
- Discounts on LASIK and other elective procedures (varies by plan)
What's Usually Not Covered
- ✕Cosmetic contact lenses
- ✕Non-prescription sunglasses
- ✕Medical eye conditions (covered by medical insurance, not vision)
- ✕Replacement frames more frequently than plan allows
How Vision Plans Work
Pay Your Premium
A low monthly premium — typically $10–$25 — keeps your coverage active.
Use Your Benefits
Visit an in-network eye doctor for your annual exam. Your plan covers the exam and provides an allowance for frames or contacts.
Save on Eyewear
Use your frame or contact lens allowance toward new glasses or contacts. Many plans also offer discounts on lens upgrades.
Common Questions
Does Medicare cover vision?
Original Medicare does NOT cover routine eye exams, eyeglasses, or contact lenses. It will cover medically necessary eye care — such as treatment for glaucoma, cataracts, or diabetic retinopathy — but not a standard annual exam or new glasses. One exception: after cataract surgery, Medicare Part B pays for one pair of standard eyeglasses or contact lenses. Most Medicare Advantage plans include some vision benefits, but coverage is typically limited (commonly one routine exam and a $100–$300 eyewear allowance per year). Standalone vision plans often have higher eyewear allowances and broader provider networks than MA-embedded vision benefits, though this varies by plan.
How much does vision insurance cost?
Individual vision plans are generally very affordable — often $10–$25/month. The value comes from the exam and eyewear allowances, which can easily exceed the annual premium cost if you wear glasses or contacts.
Can I bundle dental and vision together?
Yes — many carriers offer combined dental and vision plans, which can simplify billing and sometimes reduce the overall premium. Fred can compare standalone and bundled options to find the best fit.
Get a Vision Plan Quote
Call Fred at 763.292.9837 or email [email protected] for a free comparison of vision plans available in your area. Bundled dental + vision options are also available.
Schedule an Appointment