VISION INSURANCE

Coverage can help with costs

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Vision insurance vs. medical insurance: What's the difference?

Medical insurance = illness, injury, or chronic health conditions

Some examples include:

  • Allergies
  • Infection
  • Eye disease
  • Annual eye care for those with chronic health conditions such as Diabetes
  • 'Red- eyes' and or "Conjunctivitis"
  • Vision loss

Vision insurance = routine vision exams and eye wellness checks

It varies by plan, but many cover or reduce the cost of:

  • Annual vision exams
  • Glasses
  • Contacts

Make the most of your insurance

Know before you go

Insurance plans can be cumbersome, but it pays to spend some time learning what's covered on yours. Check with your employer or vision insurance provider if you have questions or need additional details.

If you already have insurance, use it

Whether you’re new to vision correction or you’re already wearing glasses, it’s the perfect way to try contacts at little to no out-of-pocket cost.

Contact vs. Glasses: Which to choose?

Insurance Tips

Don't leave your insurance card at home

Your eye care professional's office can submit a claim more quickly and easily with your insurance card in hand.

Know your exam schedule requirements

Some vision plans allow you to book exams on a calendar year basis, so you may not have to wait a full 365 days until your next exam.

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What goes into the cost of contacts?

There are three main things you'll pay for up front when getting contacts: an eye exam, a contact lens fitting, and the actual cost of purchasing the lenses.

FAQs about FSAs and HSAs

What is a Flexible Spending Account (FSA)?

A Flexible Spending Account (FSA) is an employee benefit that allows you to set aside money from your paycheck, pre-tax, to pay for healthcare and dependent care expenses, which can help you save money onincome taxes. You usually forfeit the money you contribute to an FSA that you don’t spend by the end of the plan year.±

What is a Health Savings Account (HSA)?

A Health Savings Account (HSA) is an investment account available only to members who are enrolled in a High Deductible Health Plan, whether an individual plan or through an employer. Funds in your HSA can be used to pay for your plan deductible and/or qualified medical expenses that do not count towards your deductible. These accounts earn interest and roll over any remaining balance from year to year. The funds are yours to keep whether you change plans, leave your employer, or retire.±

For what types of out-of-pocket vision related healthcare costs can I use my HSA or FSA?

Please check with your specific provider or plan administrator for exact out-of-pocket expenses that your HSA or FSA dollars can be used towards, but in general eligible expenses include vision exams, prescription glasses, contact lens fittings, and contact lenses.

What is the difference between an FSA and an HSA?

An FSA works as part of an employer health care plan, meaning it's tied to your employment, and funds do not rollover to the following year. An HSA can be part of an employer health care plan,but it does not have to be—it just requires a high-deductible health insurance plan. With an HSA, funds do rollover and can even be invested.

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Provide some basic information and get a certificate for a free* trial pair

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Use our locator tool to find an eye care professional who can fit you with ACUVUE® contact lenses

Footnotes

±Johnson & Johnson Vision does not offer financial advice and the content included on this page should not be interpreted as such. All Johnson & Johnson or ACUVUE® products may not be covered on your specific plan/s. Please consult your financial institution, financial planner, or health insurance plan administrator to confirm details of your insurance, HSA, and/or FSA plan coverage, qualified expenses under your plan/s, details about how your plan/s work, and what specific products are covered to avoid unexpected penalties or costs. Johnson & Johnson does not endorse any specific plan or insurance provider

*Free trial contact lenses available only from participating eye care professionals. Exam and fitting fees not included.

Important information for contact lens wearers: ACUVUE® Contact Lenses are available by prescription only for vision correction. An eye care professional will determine whether contact lenses are right for you. Although rare, serious eye problems can develop while wearing contact lenses. To help avoid these problems, follow the wear and replacement schedule and the lens care instructions provided by your eye care professional. Do not wear contact lenses if you have an eye infection, or experience eye discomfort, excessive tearing, vision changes, redness or other eye problems. If one of these conditions occurs, remove the lens and contact your eye care professional immediately. For more information on proper wear, care and safety, talk to your eye care professional and ask for a Patient Instruction Guide, call 1-800-267-5098, or download the Patient Instruction Guides.

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