Standard Vision Plan Structure
| Benefit | Typical Coverage |
|---|---|
| Eye exam | $0 copay or $10 copay; once per year |
| Frames | $150–$200 allowance; once per year or every 2 years |
| Lenses (single vision) | $0 copay after frame allowance |
| Lenses (progressive) | $50–$100 copay after frame allowance |
| Contact lenses | $150–$200 allowance (in lieu of frames/lenses) |
| LASIK | 15–20% discount at participating providers |
Vision Plan Networks
Vision plans are typically offered through a network of participating providers — optometrists, ophthalmologists, and optical retailers. The two largest vision plan networks are VSP and EyeMed. Members who use in-network providers receive the full benefit; out-of-network providers are covered at a lower reimbursement rate.
Vision Plan ROI
IQ Insight
Vision plans are among the highest-perceived-value benefits relative to their cost. A vision plan that costs $5–$10 per employee per month provides an annual exam and materials allowance worth $200–$400. Employees who use their vision benefit consistently rate it as one of their most valued benefits — making it a strong retention tool at very low cost.