Many consumers and employers are looking to get vision plans to help offset the cost of eyewear, but is it really doing that?  Unlike Insurance companies who are collecting premiums with the calculation they will collect more in premiums then they pay in claims.  This is a calculated risk or gamble.  Vision plans know you are purchasing the plan with the need for glasses or contact lenses, so there is no calculated risk.  Therefore, vision plans charge more than you receive in benefits.  This means they must negotiate lower reimbursements to doctors and charge more in premiums.  Calculate what you are paying for premiums, then price shop for a pair of glasses without your plan. Factor in warranties and I am guessing you might find it better to not have your vision plan and put the money in a pre-taxed health savings account.  When you add a middle man into most business transactions the cost goes up because the middle man wants a piece of the profits.  Vision Plans are the middlemen and are squeezing the value out of eyeglasses.  Many doctors are starting to realize that not working with vision plans allows them to bring greater value to patients.  So when your optometrist lets you know they have decided not to work with your vision plan, look into why that may benefit you.