Individual Vision Insurance

An Easy Benefit to Overlook 

Original Medicare doesn’t cover routine eye exams, glasses, or contacts, and most ACA Marketplace plans for adults leave vision out entirely. For many people, that means paying full price for something as routine as an annual eye exam. As an independent broker serving Orlando and Central Florida, Insurep helps you add standalone vision coverage alongside whatever health plan you already have. 

Vision Options for Medicare Beneficiaries 

Some Medicare Advantage plans include limited vision benefits, but allowances for frames, lenses, and contacts vary considerably by carrier. Our Medicare advisors review what your specific plan covers and recommend standalone vision coverage from carriers that specialize in senior benefits when there’s a gap. 

Vision Options for Individuals & Families 

If you or your family are on an ACA Marketplace plan, a short-term health plan, or employer coverage, a standalone vision plan is typically an affordable add-on — especially for families with kids who need regular exams and new glasses as prescriptions change. As your broker, we compare plans based on how often your family actually uses vision care, not a one-size-fits-all recommendation. 

What Vision Plans Typically Cover 

• Annual or biennial comprehensive eye exams 
• An allowance toward frames and lenses, or contacts in lieu of glasses 
• Discounts on lens upgrades such as anti-glare or progressive lenses 
• Discounts on LASIK and other vision correction procedures through some carriers 

Why Work With an Independent Broker 

Insurep represents multiple vision carriers, so our agents and advisors can compare provider networks, allowances, and pricing side by side and point you toward the plan that fits your eye doctor and your budget — at no extra cost to you. 

Frequently Asked Questions 

Does Medicare cover eye exams and glasses? 

Original Medicare generally does not cover routine eye exams or glasses, though it does cover certain medical eye conditions. Some Medicare Advantage plans add limited vision benefits — we can check your specific plan. 

Can I get vision insurance on its own? 

Yes. Standalone vision plans don’t require you to be enrolled in a specific medical plan through Insurep. 

Does vision insurance cover contacts instead of glasses? 

Most plans let you apply your annual allowance toward contacts instead of frames and lenses, though the details vary by carrier and plan. 

Ready to Compare Vision Plans? 

Check out the enrollment link below to see vision coverage options that fit your family and your eye care needs.