Vision Insurance Plans
Explore the vision plans available through All Solution Plus. Vision cover is usually a simple allowance rather than a percentage, which makes it one of the easier products to compare once you know what to look at.
Vision plans are allowances, not percentages
Most vision plans work on a schedule rather than a deductible. You get a covered eye exam for a small copay, then a fixed dollar allowance towards frames and either an allowance or full cover for standard lenses, typically once every twelve or twenty-four months.
Because the structure is so consistent between carriers, comparing plans is mostly a matter of three things: the frame allowance, how often you can use it, and whether your optician is in the network. Contact lens allowances usually replace the glasses benefit rather than adding to it.
What vision plans typically cover
Benefits are usually grouped into four areas, each with its own frequency and allowance.
Routine eye exams
Generally covered once a year for a modest copay. This is the benefit most people actually use, and it catches more than sight problems.
Frame allowance
A fixed dollar amount towards frames, commonly every twelve or twenty-four months. Anything above the allowance you pay yourself, often at a network discount.
Lenses and coatings
Standard single vision, bifocal and trifocal lenses are usually covered. Progressives, anti-glare and photochromic coatings normally cost extra.
Contact lens allowance
An allowance towards contacts, usually instead of the frame benefit in the same period rather than in addition to it.
What you will find on every carrier page
Each carrier we work with has its own page collecting the details clients ask for most.
Member portal access
Sign in to view claims, download your card, and check exactly what your plan covers.
Premium payments
Direct links to pay a premium, set up autopay, or confirm a payment has cleared.
Carrier phone support
Verified numbers so you reach the right department first time.
Plan documents
Benefit schedules, exclusions and network details for the plan you actually hold.
Vision carriers
Carriers we work with for standalone vision cover. Network coverage varies considerably by area, so it is worth checking your optician before enrolling.
Common questions
Is vision cover included in health insurance?
For children, routine vision is an essential health benefit on ACA plans. For adults it generally is not, which is why standalone vision plans exist.
How often can I get new glasses?
Most plans allow new lenses every twelve months and new frames every twelve or twenty-four. Check the frequency before assuming you can claim annually.
Does vision insurance cover laser surgery?
Rarely as a benefit. Many plans instead offer a negotiated discount at participating surgeons, which is not the same as cover.
Can I use my allowance anywhere?
Usually only at network providers. Out-of-network benefits, where they exist, are typically reimbursed at a much lower fixed amount.
Is a vision plan worth it for one exam a year?
Sometimes not. If you do not wear corrective lenses, paying cash for an annual exam can cost less than twelve months of premiums. We will tell you if that is your situation.
Want help comparing vision plans?
Tell us your optician, how often you replace glasses, and whether you wear contacts. A licensed agent can compare allowances and networks — and say plainly if a plan is not worth the premium for you.
All Solution Plus is a licensed insurance agency. We do not offer every plan available in your area. Vision plan benefits, allowances, service frequencies, networks, premiums and eligibility vary by state and carrier. Any information we provide is limited to the plans we offer.