How do the vision plans compare?
Before you enroll in a vision plan, use the Vision Benefits At-a-Glance Comparison to get the details you need to help you decide. For information on specific benefits and exclusions, refer to the vision plan’s certificate of coverage (COC) or contact the plan.
What does a vision plan cover?
Vision plans cover:
- An eye exam (once every year)
- A set of lenses (Benefit resets every January 1 of odd years)
Vision plans give an allowance toward new frames or contacts (in lieu of glasses) every January 1 of odd years (2025, 2027, etc.)
Some plans may also include discounts on laser vision correction, or LASIK.
Does my medical plan cover vision?
Your medical plan covers general eye health.
If you have an eye problem that’s related to a medical condition, such as cataracts, diabetes, or an injury, then your medical plan will more than likely cover you. These types of claims would fall under medical insurance; whereas a vision exam and glasses would fall under vision insurance.
For example: If your eye doctor was fitting you for contact lenses and discovered a torn retina, your medical plan would cover further exams and visits until it was resolved. A torn retina is a medical problem, not a vision correction issue.
How do I find a provider?
Davis Vision by MetLife
Visit the Davis Vision provider search.
EyeMed
Visit the EyeMed provider search.
EyeMed Vision Care is underwritten by Fidelity Security Life Insurance Company (FSL).
MetLife Vision
Visit the MetLife Vision provider search.
Preauthorization criteria
Preauthorization is when you seek approval from your health plan for coverage of specific services, supplies, or drugs before receiving them. Some services or treatments (except emergencies) may require preauthorization before the plan pays for them. Preauthorization is not a guarantee, however, that your plan will pay for those services, supplies, or drugs.
Davis Vision
EyeMed
MetLife Vision
These criteria do not imply or guarantee approval. Please check with your plan to ensure coverage. Preauthorization requirements are only valid for the month published. They may have changed from previous months and may change in future months.
