Contact lenses

Is there any age limit? You must be 18 years of age to be the primary policy holder.

Large Network of Providers

$100 Lifetime Deductible

Choice of In-Network or Out-of-Network Providers

$5,000 Max Coverage Year 3

Choice of In-Network or Out-of-Network Providers

$5,000 Max Coverage Year 3



If you wear contact lenses, the right vision insurance can help make routine eye care and contact-related costs easier to manage. The challenge is that not every vision plan works the same way, and small differences in coverage, network access and plan structure can affect the value you get in real life.

Direct Vision offers affordable plans with options to choose from two of the top networks through VSP and EyeMed Access. If you wear contact lenses, our plans can help you get the care and vision correction you need with more savings, flexibility, and convenience.


How Direct Vision insurance works for contact lenses

Vision insurance for contact lenses helps make routine eye care and corrective vision costs easier to manage. If you wear contacts regularly, the right plan can help reduce what you pay for exams and contacts while giving you access to a trusted provider network.

Here are key benefits you will get with a Direct Vision plan:

  • Choose your preferred network: VSP or EyeMed Access
  • $15 copay for routine eye exams
  • Up to $150 allowance for contact lenses
  • Options for 12- or 24-month contact lens benefit frequency, depending on the plan
  • Access to in-network savings

Here is a quick snapshot of how vision insurance can help lower your costs:

Without insurance:

  • Eye exam: $150
  • Contact lenses: $200
  • Total: $350

With Direct Vision (in-network):

  • Eye exam: $15
  • Contact lenses: $50
  • Total: $65

Plus, if you also need prescription glasses, want a backup pair, or are interested in lens upgrades, Direct Vision can help you save there too through additional discounts after your primary benefit is used.

Ready to start saving? Get a free quote to see plans available in your area.


What to look for in vision insurance for contacts

If you are comparing vision insurance for contact lenses, it helps to look beyond just the monthly premium. Not all plans work the same way, and the details can affect how useful the coverage feels once you need an exam or new contacts.

Here are a few of the most important things to compare:

Network access

Choosing a plan with the provider network you prefer can make care easier and more convenient.

Eye exam benefits

Routine exams help keep your prescription current and support your overall eye health.

Contact lens allowance

Understanding how much the plan helps toward contacts can give you a clearer picture of value.

Benefit frequency

Some plans offer contact lens benefits every 12 months, while others follow a 24-month schedule.

Additional discounts

Savings on glasses, upgrades, or extra eyewear can add more value beyond your main benefit.

When you compare from that perspective, it becomes easier to choose coverage that fits the way you actually use vision care.


Which network is best? EyeMed vs VSP

With Direct Vision, you can choose between two of the nation’s largest, most trusted vision networks. That gives you more flexibility in where you go for care and how you use your benefits.

Direct Vision VSP Choice Network:

  • 96,000+ access points nationwide
  • 41,000 regional and national retail chain access points
  • Includes retailers like Walmart, Costco Optical, and Visionworks

Direct Vision EyeMed Access Network:

  • Over 183,000 access points
  • 7,500+ retail locations
  • Includes Target Optical, LensCrafters, Pearle Vision, and more

Whichever network you select, visiting an in-network provider helps keep your out-of-pocket costs lower and makes it easier to get the most from your vision benefits.


Do I need an eye exam to get contact lenses?

In most cases, yes. Contact lenses require a current prescription, and a contact lens fitting may also be needed depending on your situation and provider. Even if your vision feels fine, regular eye exams are important to make sure your prescription is up to date and that your eyes stay healthy.

Vision insurance helps make this routine care more affordable and accessible, so you can stay on top of both your prescription and your long-term eye health.


Who should consider vision insurance for contact lenses?

Vision insurance for contacts may be worth considering if you:

  • Wear contact lenses every day or most days
  • Want help managing the cost of routine eye exams and new contacts
  • Prefer access to a large provider network like VSP or EyeMed

  • Want a plan that also offers savings on glasses and other eyewear needs

  • Like the idea of more predictable costs for routine vision care

If that sounds like you, comparing your options now can help you find a plan that better fits your routine, budget, and provider preferences.

 

How to get vision coverage for contact lenses


Getting covered is easy:

1. Get a free quote to compare plans in your area

2. Choose your preferred provider network — VSP or EyeMed

3. Select the plan that fits your budget and benefit frequency needs

4. Enroll online in minutes

5. Schedule your eye exam and use your benefits for contact lenses

If you need help finding the right plan or have questions about coverage, our licensed agents are ready to help you today.

 


Get covered and save on contact lenses

Contact lenses are part of how many people move through everyday life with comfort and confidence. Direct Vision makes it easier to stay on top of routine eye care and reduce what you pay for contacts, exams, and other vision needs.

With affordable plans, flexible network options, and support from licensed agents, you can find coverage that works for the way you see.

Start your quote now to see vision insurance options available in your area.

 

Get your free quote!

  • 5/1/2026
Questions about our plans? Call us: (844) 833-8440