800-835-1776

TrumpCare 123
TrumpCare 123

800-835-1776

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Vision Insurance

Affordable Eye Care for the Whole Family

At TrumpCare 123 Insurance, we understand that your business is your livelihood. That's why we offer comprehensive business insurance policies to protect your company from unexpected events. Our policies cover everything from property damage to liability claims, and we work with you to customize your coverage to meet your unique needs. Our team of experienced agents is dedicated to providing exceptional customer service and working with you to find the best possible policy for your business.

 

What Is Vision Insurance?

Standalone vision coverage for eye exams, glasses, and contact lenses. Much more affordable than paying out-of-pocket, especially if you wear glasses or contacts. Available as an add-on to health plans or as standalone coverage.


Key Benefits


Annual Eye Exams Covered
Routine eye exams at low or no cost.

Frames and Lenses Allowance
$100-$200 toward frames, lenses covered with small copay.

Contact Lens Coverage
Allowance for contacts instead of glasses.

Discounts on Extras
LASIK, additional pairs of glasses, lens upgrades at discounted rates.

Large Provider Networks
National chains like LensCrafters, Pearle Vision, Target Optical, plus independent optometrists.


What's Covered?


Routine Eye Exams:
Annual comprehensive eye exam
Typically $0-$10 copay

Eyeglasses:
Frames: $100-$200 allowance
Lenses: Standard single vision, bifocal, or progressive covered with $10-$25 copay
Lens upgrades: Anti-glare, scratch-resistant, transition lenses at discounted rates

Contact Lenses:
$100-$150 allowance for contacts (instead of glasses)
Fitting exam: $0-$40 copay


Common Costs


Monthly Premium:
Individual: $10-$20/month
Family: $20-$40/month

Annual Cost:
$120-$240 per year for individual
$240-$480 per year for family

Copays:
Eye exam: $0-$10
Lenses: $10-$25
Contact lens fitting: $0-$40


Coverage Frequency


Eye Exams:
Once every 12 months

Lenses:
Once every 12 months

Frames:
Once every 12-24 months (depending on plan)

Contacts:
Once every 12 months (in lieu of glasses)

Some plans offer additional discounts if you want glasses more frequently.


Who Needs Vision Insurance?


  • You wear glasses or contacts regularly
  • Kids who need annual exams and frequently break/outgrow glasses
  • Anyone over 40 (vision changes more frequently)
  • Family history of eye conditions
  • You want to save on LASIK or other procedures


With vs. Without Vision Insurance


  • Without Insurance:
    Eye exam: $100-$200
    Basic frames: $100-$300
    Lenses: $100-$400
    Total: $300-$900 annually


  • With Insurance:
    Premium: $120-$240/year
    Copays: $20-$50 total
    Total: $140-$290 annually
  • Savings: $160-$610 per year


Major Vision Insurance Carriers


VSP (Vision Service Plan)

  • Largest network
    60,000+ providers
    Great selection at major retailers
  • EyeMed
    Second largest network
    Strong retail partnerships
    Competitive pricing
  • Davis Vision
    Solid network
    Good value plans
    Popular with employers
  • All offer similar benefits - we'll compare actual costs and networks in your area.


Provider Networks


  • National Chains:
    LensCrafters
    Pearle Vision
    Target Optical
    Costco Optical
    Walmart Vision Center
    Visionworks


Online Retailers:
Many plans now cover online purchases at sites like Warby Parker, Zenni, Eyebuydirect


Independent Optometrists:
Thousands of private practice eye doctors

We'll verify your preferred provider is in-network before enrollment.


Family Coverage


  • How It Works:
    One family premium covers everyone
    Each family member gets their own benefits
    Kids can get exams and glasses annually
    Adults on separate schedules


Family Savings:
Individual plan: $15/month
Family plan: $30/month
Covering 2+ people = significant savings


Frequently Asked Questions


"Can I use vision insurance with my health insurance?"
Yes, they work together. Add vision to any health plan or buy standalone.

"What if I only need readers from the drugstore?"
Vision insurance may not be worth it. We'll help you decide.

"Are designer frames covered?"
Allowance applies to any frames. Pay difference for high-end brands.

"Can I get glasses AND contacts in the same year?"
No, it's one or the other per year.

"What about kids' sports glasses or safety goggles?"
Usually discounted but not fully covered. Check specific plan.


When Can I Enroll?


Standalone Vision Plans:
Available year-round
Coverage typically starts 1st of following month


Vision Add-On to Health Plans:
Enroll when you enroll in health insurance
Subject to same enrollment periods

Get a Quote Today

Contact us today to get a free quote for your business insurance needs. Our agents are standing by to help you find the perfect policy.

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