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Vision Insurance Providers in Washington

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Vision insurance makes it much more likely that you’ll get regular eye exams, which are essential to overall health and preserving your vision for as long as possible. If you live in the state of Washington, you have several good vision insurance options that can help you to get the vision care you need.

Whatever your vision needs are, navigating the waters of insurance programs can get murky. Below, we’ve outlined some details that will help you select the right coverage and provider for you in Washington.

Vision Insurance Providers in Washington

Vision insurance providers providing coverage in Washington include VSP, Davis Vision, MetLife Vision, and more.

VSP

With a network of over 50 offices in the Seattle, Bellevue, and Vancouver areas,  

VSP provides many affordable plans starting at around $13 per month. As the nation’s largest vision benefits provider, VSP offers comprehensive annual eye exams, discounts on frames (with many of the most popular brands available), contact lenses, and discounts on LASIK eye surgery. 

Enrollment with VSP is available throughout the calendar year. You can enroll online or call (800-877-7195).

Humana

Humana caters to Medicare Advantage members nationwide. Humana also has a streamlined billing process that makes it easy to sign up and use your coverage. The company also partners with EyeMed to provide a large network. Plans start at $16 per month per person. 

Humana’s vast network consists of 65,000 providers for their members to choose from. Humana provides sizable discounts for things like UV coating, scratch resistance, tinting, and more.

Davis Vision

Davis Vision is a vision care company. With over 22 national members, they offer vision care services to clients across the country, including Washington residents.  

With over 50 years of experience in vision care, their coverage includes comprehensive eye care, condition diagnosis, treatment for any eye issues, and vision therapy (as needed). LASIK is also offered for a discounted rate. With four of the top five eyewear retailers, coverage also includes contact lenses and many frame collections with many costing no more than a $40 copay. 

Affordable plans include options for fully covered eyewear and a network that prioritizes members’ needs. There are also plans for clients whose employers do not offer vision care as well as people who are self-employed or not presently working. 

Plans begin as low as $12.50 per month. You can sign up online or call 1-800-999-5431 for more information.

Met Life

With over 137,000 providers nationwide, MetLife has two affordable federal vision plans with $0 copays for in-network eye exams. Providers include Costco and Walmart. 

Monthly plans begin as low as $7.24 per month. There are also special plans for kids, called KidsCare, which provide for children’s eye care and eyewear needs. 

You can enroll online or call 1-888-865-6854 to learn more.

Does Insurance Cover LASIK?

LASIK is not generally covered by insurance since it is usually considered an elective (not medically necessary) procedure. However, many different vision insurance providers partner with LASIK providers to offer discounts for policyholders. LASIK is not included in Medicaid or Medicare coverage.

Check each insurance provider’s benefits to see if they offer a LASIK discount offering. 

Other Discounts

Many plans offer discounts on lenses, frames, and contact lenses. Discounts vary for in-house brands and outside suppliers. 

Additional Options (Obamacare)

Obamacare, formally known as the Affordable Care Act (ACA), opened up more insurance offerings for many individuals, including those in Washington. Vision plans start as low as $9 per week.

Under the ACA, vision care is mandated for children up to 18 years old. This coverage includes comprehensive eye exams and glasses or contact lenses if necessary. 

Choosing the Right Vision Insurance Plan

Be sure to verify details of the vision provider’s plan to see if it fits your criteria and needs. Keep in mind that plans change frequently. Look for the exact amount you can expect to pay on copays, premiums, and coinsurance amounts, so you are prepared for all out-of-pocket costs. 

Here is a quick breakdown of vision insurance options in Washington:

CostCoverageEligibility
VSP$13 $150 allowance for contacts and framesYear-round enrollment
Davis Vision$10–$35$10–$25 copayAny age covered
Humana$16$25 copay/$150 frame allowanceAny age covered
Met LifePlans start at $7 per month$0 copay in networkAny age covered

References

  1. Open Enrollment. VSP Vision Care.
  2. Humana Vision Insurance Plans. Humana.
  3. Vision Care. Davis Vision.
  4. MetLife’s Vision Provider Network. MetLife.
  5. Vision Coverage. Healthcare.gov.
  6. Vision. Community Health Plan of Washington.
  7. Best Vision Insurance Companies of 2023. (January 2023). Forbes.

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