Best Vision Insurance of 2024 in the USA

What Is Vision Insurance?

Vision insurance helps pay for eye exams, glasses and contacts and may offer discounts for other types of services like LASIK surgery.

Vision insurance is typically not part of health insurance, so you have to buy separate vision insurance coverage. You can buy coverage directly from the best health insurance companies, or vision insurance may be part of an employer’s benefits package.

Vision care is an essential aspect of overall health, yet it is often overlooked in standard health insurance policies. For those who wear glasses or contact lenses, or who simply want to maintain optimal eye health, vision insurance can be invaluable. As we move into 2024, several vision insurance plans stand out in the United States for their comprehensive coverage, affordability, and customer satisfaction. This article will explore the best vision insurance options available in 2024, helping you make an informed decision for your eye care needs.

What Doesn’t Vision Insurance Cover?

Vision insurance doesn’t cover laser surgeries to correct vision—including photorefractive keratectomy (PRK) and LASIK. Those surgeries are considered elective surgery. Vision insurance policies often provide discounts at participating locations for those services.

For instance, UnitedHealthcare’s Plan A offers a 35% discount on laser surgery at over 900 QualSight LASIK locations, EyeMed policies provide a 15% discount on the retail price at U.S. Laser Network locations and VSP provides an average 15% off the regular price or 5% off the promotional price at contracted facilities.

Understanding Vision Insurance

Before diving into the best vision insurance plans, it’s important to understand what vision insurance typically covers. Unlike standard health insurance, vision insurance is a supplemental policy specifically designed to reduce the cost of eye care. Typical coverage includes:

  1. Routine Eye Exams: Annual exams to check vision and eye health.
  2. Eyeglasses: Coverage often includes lenses and frames.
  3. Contact Lenses: Some plans cover contact lens fittings and supplies.
  4. Discounts on LASIK: Many plans offer discounts on corrective eye surgery.
  5. Vision Correction Procedures: Limited coverage for surgeries like LASIK.

Vision insurance plans usually have low monthly premiums and often include copays for exams and materials. Now, let’s explore the top vision insurance plans for 2024.

Top Vision Insurance Plans for 2024

1. VSP Vision Care

Overview: VSP (Vision Service Plan) Vision Care is one of the largest and most popular vision insurance providers in the United States. Known for its extensive network and comprehensive coverage, VSP offers several plans tailored to different needs and budgets.

Key Features:

  • Wide Network: Over 36,000 doctors in the VSP network.
  • Affordable Premiums: Plans starting as low as $13 per month.
  • Coverage: Includes annual eye exams, prescription glasses, and contacts.
  • Additional Benefits: Discounts on LASIK and other vision correction procedures.
  • Customer Satisfaction: High ratings for customer service and ease of use.


  • Extensive network of providers.
  • Flexible plans with varying coverage levels.
  • Excellent discounts on eyewear and eye care services.


  • Some plans might have higher copays for premium eyewear.

2. EyeMed Vision Care

Overview: EyeMed is another leading vision insurance provider, known for its flexible plans and competitive pricing. EyeMed’s extensive network includes major retail chains, making it a convenient option for many.

Key Features:

  • Network: Over 44,000 providers, including popular retail locations like LensCrafters and Pearle Vision.
  • Affordable Plans: Basic plans start at around $5 per month.
  • Comprehensive Coverage: Annual exams, frames, lenses, and contacts.
  • Extras: Discounts on LASIK, PRK, and vision therapy.


  • Large network with many retail locations.
  • Low monthly premiums.
  • Excellent discounts on corrective surgeries.


  • Some members report higher out-of-pocket costs for non-standard lenses.

3. UnitedHealthcare Vision

Overview: UnitedHealthcare, a well-known name in health insurance, also offers robust vision plans. UnitedHealthcare Vision provides comprehensive coverage and access to a vast network of providers.

Key Features:

  • Extensive Network: Thousands of eye care providers nationwide.
  • Variety of Plans: Multiple plan options to suit different needs.
  • Coverage: Annual exams, glasses, contacts, and discounts on LASIK.
  • Additional Services: Pediatric vision coverage and digital tools for managing benefits.


  • Comprehensive coverage options.
  • Strong network of providers.
  • Additional benefits for children’s vision care.


  • Premiums may be higher compared to other standalone vision plans.

4. Humana Vision

Overview: Humana is known for offering affordable and comprehensive vision plans. Their vision insurance provides good coverage options and a wide network of providers.

Key Features:

  • Network: Access to over 35,000 providers.
  • Affordable Premiums: Plans starting at around $15 per month.
  • Comprehensive Benefits: Coverage for exams, lenses, frames, and contacts.
  • Extra Perks: Discounts on LASIK and other vision correction procedures.


  • Affordable plans with comprehensive benefits.
  • Wide network of providers.
  • Discounts on vision correction procedures.


  • Some limitations on the choice of eyewear brands.

5. Aetna Vision Preferred

Overview: Aetna, another major health insurance provider, offers the Vision Preferred plan, which is well-regarded for its comprehensive coverage and access to a wide range of providers.

Key Features:

  • Network: Includes both independent providers and popular retail chains.
  • Comprehensive Coverage: Exams, glasses, contacts, and discounts on LASIK.
  • Flexible Plans: Several plan options to choose from.
  • Digital Tools: Easy online management of benefits and claims.


  • Extensive network and flexible plans.
  • Good coverage for a variety of vision needs.
  • Convenient online tools for managing benefits.


  • Premiums can be higher for plans with extensive coverage.

6. Davis Vision

Overview: Davis Vision is known for offering high-quality vision care plans at competitive prices. They provide a variety of plans suited for individuals and families.

Key Features:

  • Network: Over 70,000 points of access, including independent providers and retail locations.
  • Affordable Plans: Competitive pricing with good coverage.
  • Comprehensive Benefits: Annual exams, lenses, frames, and contacts.
  • Specialty Lenses: Discounts on specialty lenses and progressive lenses.


  • Large network with numerous access points.
  • Affordable and comprehensive plans.
  • Discounts on specialty eyewear.


  • Customer service experiences can vary.

7. Anthem Blue View Vision

Overview: Anthem, a major health insurer, offers Blue View Vision plans that provide extensive coverage and access to a wide network of providers, making it a reliable choice for many.

Key Features:

  • Network: Thousands of providers nationwide, including popular retail chains.
  • Comprehensive Coverage: Exams, glasses, contacts, and discounts on LASIK.
  • Flexible Options: Several plan choices to meet different needs.
  • Extra Services: Vision discounts for additional savings.


  • Extensive provider network.
  • Comprehensive coverage options.
  • Discounts on vision correction procedures.


  • Higher premiums for more comprehensive plans.

Choosing the Best Vision Insurance

When selecting the best vision insurance plan for your needs, consider the following factors:

  1. Coverage Needs: Determine what type of coverage you need. If you wear glasses or contact lenses, ensure the plan covers these adequately.
  2. Network of Providers: Check if your preferred eye care provider is in-network. A larger network provides more flexibility.
  3. Cost: Compare premiums, copays, and out-of-pocket costs. Consider both the monthly premium and the cost-sharing details.
  4. Additional Benefits: Look for additional perks like discounts on LASIK, specialty lenses, or vision therapy.
  5. Customer Service: Research customer reviews and satisfaction ratings. Good customer service can make managing your plan much easier.


Vision insurance is a valuable investment for maintaining good eye health and reducing the costs of eye care. The best vision insurance plans for 2024 offer a range of options to fit different needs and budgets. VSP Vision Care, EyeMed Vision Care, UnitedHealthcare Vision, Humana Vision, Aetna Vision Preferred, Davis Vision, and Anthem Blue View Vision are all excellent choices, each with their unique benefits and coverage options. By considering your specific needs and comparing the features of these top plans, you can find the vision insurance that best suits you and your family’s requirements for the upcoming year.

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