Most vision insurance plans run on an annual benefit cycle, and policyholders often wonder if they can use those benefits for both glasses and contacts in the same year. Wimmer Insurance Services, LLC can help Minnesota clients review vision coverage options to get the most from their benefits.
How Vision Insurance Typically Works 
Vision insurance typically operates on an annual allowance for exams, frames, lenses and contact lenses. Most plans cover one comprehensive eye exam per year, along with an allowance that may apply to either eyewear or contacts, depending on the policy. Coverage details can vary by plan, and the structure of your benefits can affect what you can use.
Common plan features may include:
- An annual exam benefit, often with a low copay
- A frame or lens allowance for glasses
- A separate or combined allowance for contact lenses
- Discounts on additional purchases beyond the covered amount
Can You Get Both Glasses and Contacts in the Same Year?
Some plans may split the eyewear allowance, allocating a portion to contacts and the remainder to glasses. Others treat glasses and contacts as an either/or choice within the same benefit period. A small number of plans may allow full benefits for both, though this is less common. Check your plan documents or call your insurer directly to confirm how your policy works.
Maximizing Your Vision Insurance Benefits
If your plan limits you to one or the other, you can still find practical ways to stretch your coverage. Buying discount frames, choosing contacts with a lower per-box cost or timing purchases around your renewal date may all help.
Get Started Today
Contact Wimmer Insurance Services, LLC today to learn more about how your specific plan applies to contact lenses and glasses.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.