Vision Insurance

With the highest quality lenses and coatings, the broadest selection of frames, and our ability to maximize your vision insurance, Wisconsin Vision provides the best value in eye care. Our doctors take most vision plans, including many union health & welfare plans. Have an FSA or HSA? Yup, we take those too.

We’ll even check your benefits for you and explain what’s covered. Let us handle the insurance side of things so you can focus on the eye chart. (No vision insurance?)

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Wisconsin Vision
Proud to be Wisconsin’s eye insurance experts

Understanding and using your vision insurance benefits is easy at Wisconsin Vision. We’ll explain any out-of-pocket costs associated with your exam or purchase so you can get the eye care and eyewear you need without wondering if you can afford it. If you have a health savings account (HSA) or flex dollars you can use for eyeglasses, contact lenses, or prescription sunglasses, we’ll help your funds go further at Wisconsin Vision.

Our eye doctors accept most vision insurance plans and work with discount programs, managed vision care plans, vision networks, and union health & welfare funds. If your provider isn’t listed below, contact us and we can help you.

Accepted Vision Insurance Plans:

Union Health & Welfare Plans Accepted

We’ll show you how to maximize your benefits

Call or visit any Wisconsin Vision store to get a free coverage check. We’ll show you how your plan works, and how to get the most value out of your vision benefits. We also have great options for patients without vision insurance.

How vision insurance works

Whether you have vision insurance through an employer or an individual plan, coverage for eye exams, glasses and contacts can vary widely. No matter what type of plan you have, you can expect to see some of the following terms:

In most cases, insurance plans will require a fixed copayment for eye exams, frames, or lenses. This copayment will typically range from $10 to $35. You will be responsible for paying this amount out of pocket while the insurance covers the remaining cost.

Referred to as a “materials copay,” this is a fee that is usually paid once and covers the cost of a complete pair of eyeglasses (frames and lenses) or contact lenses.

Your insurance plan typically covers a set amount towards the cost of eyeglass frames, which usually falls between $100 and $150. While you are free to select frames that are more expensive than this amount, you will be responsible for covering any additional costs beyond the insurance allowance.

Your vision plan may restrict coverage to specific lens materials or types, such as only covering lined bifocals but not progressives. Additionally, some plans may offer partial or full coverage for lens treatments, including anti-glare or scratch-resistant coatings.

Typically, vision plans provide coverage for either eyeglasses or contact lenses. If you choose to purchase contact lenses, your plan may include an allowance for a one-year supply, with any additional costs beyond the allowance being your responsibility to cover out of pocket.

If a product or service is fully covered by your vision insurance (“covered in full”), you will not be required to pay any out-of-pocket costs for it.

Vision insurance plans may provide a discount on the remaining balance of your purchase after your frame or lens allowance has been applied. Additionally, certain plans offer special discounts such as reduced pricing on multiple pairs of glasses or prescription sunglasses after your yearly benefits have been exhausted.

Heartland Vision’s optometrists participate in the majority of vision insurance plans as in-network providers. Opting for an in-network eye doctor generally offers better value as your insurance is directly billed, and you will only be responsible for out-of-pocket expenses. Selecting an out-of-network provider may result in increased costs, as you will be required to pay for all services upfront and then submit an insurance claim for reimbursement.

Most employers offer vision insurance plans for you and your family. You can also purchase vision insurance individually online through many vision insurance companies. Whichever the case, be sure you understand where your insurance plan stands with the coverage of eye exams, prescription eyeglasses or contact lenses, and any other applicable vision expenses.

Vision insurance refers to health and wellness plans which reduce your upfront costs for preventative eye care, including eye exams or prescription eyewear such as eyeglasses or contact lenses.

To use your vision insurance, simply bring in your insurance card or documentation to an eye appointment at a Wisconsin Vision location. Not sure on the full details of your vision insurance coverage? Give us a call or contact us online and we’ll give you a coverage check to help your savings go further.

Our eye doctors take most vision plans from many local or nationwide insurance providers such as Anthem Blue Cross Blue Shield, Cigna, UnitedHealthcare, WPS, and many more. We also honor most union health and welfare plans. Have an FSA or HSA? We can help your coverage go further.

In some cases your vision insurance might cover the full cost of a regular eye exam. Most vision insurance plans will at least partly cover the cost of an eye exam or the remaining amount after your agreed upon copay.

Yes, our eye doctors are in-network providers for most insurance plans. Choosing an in-network doctor is easier since you only pay for the remaining out of pocket costs and your insurance is billed directly. Choosing an out-of-network doctor means you’ll be forced to pay full price up front and then be required to submit a claim for reimbursement with your insurance.

Yes, we accept many union health and welfare plans from the Wisconsin Education Association and Roofer’s Health and Welfare Fund, to the Wisconsin Electrical Employees Benefit Fund, and many more.