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Understanding and using your vision insurance benefits is easy at Wisconsin Vision. We’ll explain any out-of-pocket costs associated with your exam or purchase so you can get the eye care and eyewear you need without wondering if you can afford it. If you have a health savings account (HSA) or flex dollars you can use for eyeglasses, contact lenses, or prescription sunglasses, we’ll help your funds go further at Wisconsin Vision.

Our eye doctors accept most vision insurance plans and work with discount programs, managed vision care plans, vision networks, and union health & welfare funds. If your provider isn’t listed below, contact us and we can help you.

Union Health & Welfare Plans Accepted:

  • Carpenter’s Health and Welfare FundCarpenter’s Health and Welfare Fund
  • Central States Southeast and Southwest Areas Health and Welfare FundCentral States Southeast and Southwest Areas Health and Welfare Fund
  • IBEW Local 481 Benefit FundIBEW Local 481 Benefit Fund
  • Laborers Health and Welfare FundLaborers Health and Welfare Fund
  • Roofer’s Health and Welfare FundRoofer’s Health and Welfare Fund
  • Sheet Metal Workers Health and Welfare FundSheet Metal Workers Health and Welfare Fund
  • Teamsters Local 135 Health and Welfare FundTeamsters Local 135 Health and Welfare Fund
  • Wisconsin Education AssociationWisconsin Education Association
  • Wisconsin Electrical Employees Benefit FundWisconsin Electrical Employees Benefit Fund
  • Wisconsin Health FundWisconsin Health Fund
  • Wisconsin UFCW Unions and Employers Health PlanWisconsin UFCW Unions and Employers Health Plan

Union health plans with vision benefits
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We'll show you how to maximize your benefits

Call or visit any Wisconsin 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

Insurance plans often include a fixed copayment, such as $10 or $35, for eye exams, frames, or lenses. You’ll have to cover the copay amount out of pocket, and insurance covers the rest.

vision insurance material fee Material Fee

Also called a materials copay, this is typically a single amount you pay towards a complete pair of eyeglasses (frames and lenses) or contact lenses.

frame allowance Frame Allowance

This is how much of the cost of eyeglass frames your insurance will pay for, often in the range of $100-$150. You’re free to pick frames that cost more, but you’re responsible for any amount over the allowance.

optical lens coverage Lens Allowance

Your vision plan might only cover a certain type of lens material, or cover lined bifocals but not progressives. Lens treatments (like anti-glare or scratch resistant) may also be covered in part or in full.

contact lens coverage Contacts Allowance

In most cases, a vision plan will cover either eyeglasses or contact lenses. If you opt for contacts, there’s typically an allowance for a year’s supply (and you cover the remainder out of pocket).

optical services covered in full Covered in Full

This means your vision insurance covers the full cost of a product or service, and you don’t have to pay anything out of pocket.

discounts available through vision insurance Special discounts

Often a vision insurance plan will give you a discount on the remaining balance once your frame or lens allowance is accounted for.

Other special discounts available through your plan may include reduced pricing on multiple pairs of glasses or sunglasses (with or without prescription lenses) once your yearly benefits have been used.

in network vision providers In-Network Provider

Wisconsin Vision eye doctors are in-network providers for most vision insurance plans.

In most cases, you’ll get a better value when you choose an in-network eye doctor. Your insurance is billed directly and you only have to pay for out-of-pocket costs.

If you choose an out-of-network provider it could mean higher costs. You’ll also have to pay for everything upfront and submit an insurance claim for reimbursement.

Frequently Asked Questions

How can I get vision insurance?

Most employers offer vision insurance plans for you and your family. You can also purchase vision insurance individually online through many vision insurance companies. Whichever the case, be sure you understand where your insurance plan stands with the coverage of eye exams, prescription eyeglasses or contact lenses, and any other applicable vision expenses.

What type of insurance is vision?

Vision insurance refers to health and wellness plans which reduce your upfront costs for preventative eye care, including eye exams or prescription eyewear such as eyeglasses or contact lenses.

How do I use my vision insurance?

To use your vision insurance, simply bring in your insurance card or documentation to an eye appointment at a Wisconsin Vision location. Not sure on the full details of your vision insurance coverage? Give us a call or contact us online and we'll give you a coverage check to help your savings go further.

Does Wisconsin Vision accept my vision insurance?

Our eye doctors take most vision plans from many local or nationwide insurance providers such as Anthem Blue Cross Blue Shield, Cigna, UnitedHealthcare, WPS, and many more. We also honor most union health and welfare plans. Have an FSA or HSA? We can help your coverage go further.

Can I get a free eye exam?

In some cases your vision insurance might cover the full cost of a regular eye exam. Most vision insurance plans will at least partly cover the cost of an eye exam or the remaining amount after your agreed upon copay.

Is Wisconsin vision an in-network provider?

Yes, our eye doctors are in-network providers for most insurance plans. Choosing an in-network doctor is easier since you only pay for the remaining out of pocket costs and your insurance is billed directly. Choosing an out-of-network doctor means you'll be forced to pay full price up front and then be required to submit a claim for reimbursement with your insurance.

Does Wisconsin Vision accept union health fund plans?

Yes, we accept many union health and welfare plans from the Wisconsin Education Association and Roofer's Health and Welfare Fund, to the Wisconsin Electrical Employees Benefit Fund, and many more.

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