Many people are able to obtain vision coverage as part of their employer’s group benefits package, but for those that purchase their own individual medical insurance, a supplemental vision plan may be necessary since vision coverage is not an essential health benefit for adults on Affordable Care Act (ACA) qualifying health plans.

Vision insurance may be a relatively affordable way to help cover the costs of annual eye exams and eyeglasses or contact lenses.

Independence Vision has two plan designs to choose from.

Independence American Vision 100

In-Network Copays: $10 – $25

Out-of-Network Coverage Allowance

Cornea Benefit

Independence American Vision + Hearing 130

In-Network Copays: $10

Out-of-Network Coverage Allowance

Cornea Benefit

Hearing Benefit

Independence Vision + Hearing Plan Features

Plan Features

  • No waiting periods
  • Anyone aged 18 – 99 is eligible
  • Dependent children under the age of 26 may be included
  • No annual benefit limit

Vision Correction (in-network)

  • $10 annual vision exam copay
  • $10 or $25 standard plastic corrective lenses copay
  • $10 or $25 copay for medically-necessary contact lenses (every 12 months)
  • $100 or $130 frame allowance (every 24 months) after copay
  • Up to $110 for conventional or disposable contacts (every 12 months) after copay
  • Includes coverage for corneal tissue preparation

Sample Policy Limitations + Exclusions

  • Medical and/or surgical treatment of the eye, eyes or supporting structures
  • Eye or vision exams or corrective eyewear required by an employer as a condition of employment and safety eyewear
  • Non-prescription sunglasses or eyeglasses

Who May Want a Vision Policy?

  • People enrolled in an ACA major medical policy that also want vision coverage.
  • Those without access to an employer’s benefits: the unemployed, entrepreneurs or independent contractors.
  • Retirees and those on original Medicare (the federal Medicare program does not currently cover eye exams).[1]
  • People that are utilizing a combination of limited-benefit and/or supplemental insurance options to provide their health coverage instead of an ACA-qualifying major medical plan.

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[1] Routine Eye Exam Coverage. Retrieved 29 January 2020, from