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Making your vision insurance understandable

Using and understanding your vision insurance is a breeze at Heartland Vision. As Indiana’s vision insurance experts, we offer free insurance coverage checks to make sure our patients get the most out of their vision insurance. We’ll explain in detail any costs your insurance won’t cover with your exam or eyewear purchase, so there won't be any surprises when the bill comes.

We’ll help you use your HSA (health savings account) or flex dollars that are applicable for use with eyeglasses, contact lenses, or prescription sunglasses to make your money go further. We accept most vision insurance and union health & welfare plan providers. We can also work with discount programs and vision networks. If you don’t see your provider below, contact us and we will assist you in any way we can.


We Like to Say YES to Insurance!

Union Health & Welfare Plans Accepted:

  • UAW 2209
  • UAW 933
  • Electrical Workers Local 481
  • Indiana Teamsters Local 63
  • Plumbers and Steamfitter Local 440
  • Ironworkers Local 147
  • IBEW Local 481 Benefit FundIBEW Local 481 Benefit Fund
  • Indiana State Council of Roofers
  • National Asbestos Workers Fund
  • Teamsters Local 135 Health and Welfare FundIndiana Teamsters Local 135 & 63 Health and Welfare Fund
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We'll show you how to maximize your benefits

Call or visit any Heartland 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.

Free Benefit Check

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:

vision insurance copay Copay

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.

vision insurance material fee Material Fee

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.

frame allowance Frame Allowance

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.

optical lens coverage Lens 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.

contact lens coverage Contacts Allowance

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.

optical services covered in full Covered in Full

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.

discounts available through vision insurance Special discounts

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.

in network vision providers In-Network Provider

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.

Frequently Asked Questions

How can I get vision insurance?

Many employers offer vision insurance plans for you and your family, and it's usually available independently of health insurance. You can also purchase vision insurance individually online.

To be sure you understand the extent of your coverage before committing to an eye exam or new glasses or contacts, give us a call - we'll help you break down the benefits your insurance provides. 

What type of insurance is vision?

Vision insurance provides benefits to reduce your upfront and out-of-pocket costs for eye care services such as eye exams and/or costs for eyewear such as prescription glasses, prescription sunglasses or contact lenses.

How do I use my vision insurance?

To use your vision insurance at Heartland Vision, bring your insurance card or insurance documents with you to your eye appointment. If you're not sure what your eye insurance covers, feel free to ask us in person or give us a call - we offer free benefit checks, and we'll walk you through what your insurance will and won't cover in our eye clinic and retail store. 

Does Heartland Vision accept my vision insurance?

Heartland Vision accepts most local and nationwide insurance providers including Anthem Blue Cross Blue Shield, Cigna, UnitedHealthcare and WPS. We also honor most union health and welfare plans, and we'll help you get the most out of your FSA or HSA funds. 

Can I get a free eye exam?

Your vision insurance may cover the full cost of your exam. Most vision plans cover at least part of your eye exam or remaining costs following your predetermined co-pay. 

Is Heartland Vision an in-network provider?

Most likely yes! Our eye doctors are in-network providers for most insurance plans. Choosing an in-network doctor means you only pay for the remaining out-of-pocket costs and your vision insurance provider is billed directly. Choosing an out-of-network doctor leaves you having to pay full price at the time of your service, then submit a claim for reimbursement from your insurance company.  

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