If you have a vision plan, you might already know that it’s designed for one main purpose: to cover an annual eye exam and provide a pair of glasses or contact lenses. However, most standard vision plans don’t go beyond that. In fact, they typically offer very little in terms of coverage. If you need anything more than the basics—like specialty lenses, designer frames, or additional exams—you’ll likely be referred to your medical insurance.
It's important to understand that vision plans aren't really "insurance" at all. Instead, they function more like a savings plan, offering limited benefits for routine eye care. Once you're enrolled, you’re usually directed to an in-network provider where the prices are artificially inflated so that you can receive a small discount. This system feels more like a scam than a helpful benefit.
But there's a way to “hack†your vision plan and get better value for your money. Whether you have a vision plan or not, there are smart strategies you can use to ensure you're getting the best deal on your eyewear.
**If You Have a Vision Plan**
You or your employer paid real money into this plan, so it makes sense to make the most of it before dropping it during open enrollment. Here’s how:
**Use Your Out-of-Network Coverage**
Opting for out-of-network providers can actually save you money. Many brands that don’t participate in in-network discounts offer competitive pricing. Some even allow you to submit claims for reimbursement. The challenge is often finding out what your plan covers. At David Kind, our team can help you explore your options. We can check if your vision plan offers reimbursement and guide you through the process. If you want to see if your plan qualifies, email us at [contact@davidkind.com](mailto:contact@davidkind.com) or check your coverage online.
**If You Don’t Have a Vision Plan**
Great! You’re part of a growing movement toward more transparent and fair eyewear options. But even if you currently have a vision plan, you might find the following tips useful when deciding whether to keep or drop it.
**Tell Your Optometrist You Don’t Have Insurance**
Many optometrists are frustrated with vision plans. If they didn’t rely on them to attract patients, they might stop accepting them altogether. Ask your doctor if they offer alternative pricing for patients without vision plans.
**Use Your Medical Insurance**
Most people aren’t aware that their medical insurance may cover an eye exam if you have a condition such as dry eyes, infections, diabetes, glaucoma, or other eye-related issues. When booking your appointment, be sure to mention any symptoms you’re experiencing. If you have to pay out of pocket, it will likely only be for your prescription, not the exam itself—and at a reduced rate.
**Use Your FSA or HSA**
If your employer offers a Flexible Spending Account (FSA) or Health Savings Account (HSA), take advantage of it. These accounts let you set aside pre-tax dollars for medical expenses. If your tax rate is 30%, you’re effectively getting $30 for every $100 you contribute. This money can be used for eye exams, glasses, contacts, prescription sunglasses, and more.
**Finally, Buy Glasses from Direct-to-Consumer Brands**
The key to beating the vision plan system is to shop from brands that don’t participate in the in-network discounting model. These companies offer clear, straightforward pricing and high-quality products. Not all eyewear is the same, so make sure you know what you're buying.
At David Kind, we specialize in crafting premium eyewear at honest prices. We partner with top manufacturers in Sabae, Japan, and Cadore, Italy, and deliver our frames directly to customers through our patented home try-on experience. While our prices may be higher than those found at in-network offices, our frames are built to last—thanks to superior materials and expert craftsmanship. Plus, we offer a 10-year warranty to ensure your frames stand the test of time. Our team is also here to support you throughout the entire ordering process.
If you have questions or need assistance, feel free to reach out to us at [contact@davidkind.com](mailto:contact@davidkind.com).
**BROWSE EYEWEAR**