Question 1

How do I know what vision insurance I have?

Accepted Answer

The best way to confirm your vision insurance benefits is to reach out to your insurance carrier directly. You can usually find their contact information on your insurance card or by logging into their member portal on their website.

Question 2

What's the difference between vision and medical insurance?

Accepted Answer

Vision insurance is typically designed for routine eye care. (Think annual eye exams and helping cover the cost of eyeglasses or contact lenses.) It's typically a separate insurance policy from your medical insurance, and it may or may not use the same company name.

Question 3

Is Warby Parker in my insurance network?

Accepted Answer

We’re in-network with most major vision carriers, like UnitedHealthcare, Davis Vision, Superior Vision, and some VSP plans. For other plans, like EyeMed and Cigna, we often work as an out-of-network carrier.

The easiest way to check your specific benefits with us is to visit our insurance page on our website and enter your information. We'll let you know if you have eligible benefits for frames, contacts, or eye exams—and apply them automatically if you do!

Question 4

Can I use my FSA or HSA funds?

Accepted Answer

Absolutely! You can use your Flexible Spending Account (FSA) or Health Savings Account (HSA) funds for eligible vision expenses. This includes prescription eyeglasses, prescription sunglasses, contact lenses, and even eye exams. It's a smart way to pay for out-of-pocket costs or additional pairs.

Question 5

How often can I use vision insurance?

Accepted Answer

Most vision insurance plans typically cover one annual eye exam and offer an allowance or discount on prescription glasses and/or contacts. These benefits usually reset at the end of the year, so it's a good idea to check your plan's specific details.

Question 6

How do I file for out-of-network reimbursement?

Accepted Answer

If we're out-of-network for your plan, don't worry—you can often still get reimbursed!

Here's the general process:

1. Purchase your eyewear or get your eye exam with us and pay upfront.
2. Gather a detailed receipt from us (either from your account or by contacting us).
3. Fill out a claim form provided by your insurance carrier. You can usually download this from their website.
4. Submit the claim form along with your receipt to your insurance company. They will then process your claim and reimburse you directly. This typically takes 2–3 weeks, depending on your carrier.

We even have specific forms and instructions for common out-of-network carriers on our website to make it easier.

Question 7

What can I purchase with my insurance?

Accepted Answer

Vision insurance typically covers:

- Routine eye exams
- Prescription eyeglasses or prescription sunglasses (including single-vision, progressives, and lens upgrades)
- Contact lenses

Coverage can vary by plan, so it's always a good idea to check your specific benefits.

Question 8

Can I use my benefits to pay for an eye exam?

Accepted Answer

Yep! You can use your vision benefits to help cover the cost of a comprehensive eye exam at most Warby Parker locations.

Question 9

Can I use my benefits for sunglasses?

Accepted Answer

If they're prescription sunglasses, then yes. Most vision insurance plans provide coverage for them. Your plan's yearly frame and lens benefits can usually be applied toward the cost. Non-prescription sunglasses are generally not covered by vision insurance, but you can often use your FSA or HSA funds for them.

Question 10

Do I need an insurance card?

Accepted Answer

While having your insurance card can be helpful, it's not necessary to have the physical card to check your benefits with us. We can usually verify your eligibility using your name, date of birth, and ZIP code. However, some plans may require a Member ID, which you can usually find on your card or by logging into your insurance carrier’s website.

Yes, you can pay with insurance!

Vision insurance covers…

Prescription glasses

Contact lenses

Eye exams

FSA / HSA accepted

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In-network vs. out-of-network

In-network benefits

Out-of-network benefits

Insurance FAQs