As the end of the year approaches, so does a wave of missed opportunities. Every year, patients unknowingly leave money behind—benefits that could’ve covered new glasses, upgraded lenses, or that overdue eye exam. If you’ve been searching “eye doctor near me,” now’s the time to stop scrolling and start using what you’ve already paid for.
Most vision insurance plans reset at the end of the calendar year. That means if you haven’t scheduled your eye exam, used your allowance for eyewear, or claimed discounts on progressive glasses or anti-glare lens upgrades, you could lose those benefits.
The good news? There’s still time!
What Does Vision Insurance Cover?
Vision insurance doesn’t work quite like traditional health coverage. While your health plan might cover serious eye issues like infections or injuries (eye emergencies), vision insurance is geared toward preventive and corrective care. Here’s what most plans typically include:
Comprehensive Eye Exam
Most plans cover one comprehensive eye exam per year. That includes tests for visual acuity, eye pressure, focusing ability, and signs of common eye conditions. If your last exam was over 12 months ago, or you’re straining to read this, it’s time to book.
Eyeglasses or Contact Lenses
If you wear corrective lenses, your insurance likely provides an annual allowance toward either eyeglasses or contact lenses. This can be applied toward frames, lenses, or both, though it may not cover the entire cost of designer frames.
Lens Upgrades
Want anti-glare glasses, blue light filters, or photochromic lenses? Many plans offer discounts on these enhancements. And if you’ve been thinking about trying progressive glasses (especially if you're in your 40s or older), now’s the perfect time to explore your options.
Contact Lens Fitting
For contact lens wearers, most plans include a fitting or evaluation once a year. This ensures your contacts still suit your eye shape, oxygen needs, and visual correction.
What’s Usually Not Covered?
- LASIK or other refractive surgeries (though some plans offer discounts).
- Non-prescription sunglasses (unless bundled with prescription lenses).
- Medical treatment for eye diseases—these typically fall under medical insurance, not vision plans.
Understanding “Use It or Lose It”
Most vision insurance benefits do not roll over. If you haven’t used your allowance. Those benefits reset when the clock strikes midnight on December 31.
At First Eye Care Grand Prairie, we see a rush every November and December—patients trying to squeeze in last-minute exams, order frames, or update their prescriptions. That’s why we recommend calling early to beat the crunch.
How to Check Your Vision Insurance Benefits
Not sure what your plan covers? You’re not alone. Many patients aren’t aware they have eye exam insurance or don’t understand the scope of their coverage.
Here are a few easy steps to clarify your benefits:
- Check Your Provider’s Portal: Most vision plans (such as VSP, EyeMed, and Davis Vision) offer an online dashboard where you can view your remaining benefits.
- Ask Your HR Rep: If your insurance is employer-sponsored, your HR team can guide you to your coverage details.
- Call Us: We’re happy to verify your benefits and walk you through exactly what’s covered.
Eye Emergencies and Medical Eye Care
It’s also worth noting: while vision insurance focuses on routine care, medical insurance may step in for eye emergencies, sudden vision changes, infections, or injuries.
We provide both medical and routine eye care, and our team is trained to recognize when it’s time to bill one or the other, so you’re always covered appropriately.
Make the Most of Your Vision Benefits
First Eye Care Grand Prairie is here to help you use every dollar of your vision insurance before it disappears. From personalized eye exams to stylish, insurance-friendly eyewear, we’ll help you maximize your coverage with care and confidence.
Don’t wait until the last week of December. Call us to schedule your exam, use your frame allowance, and head into the new year with fresh vision and no regrets.
