UnitedHealthcare Vision Insurance Review

Rating: 9.4 / 10 (Excellent)
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United Healthcare is an American healthcare company based in Minnesota. They provide individual, group, and family healthcare plans which include insurance for vision, term life, critical illness, accident, hospitalization, disability, and international travel. Their website also offers a large array of educational tools and resources designed to help policyholders develop and sustain a healthy lifestyle.

UnitedHealthcare offers a wide selection of health insurance products for individuals and employers. This includes medical, accidental, disability, life, critical illness, hospital indemnity, and vision insurance. Its vision insurance is available either as a supplemental or standalone policy.

Services and Features

Vision insurance is available either as a standalone plan or as additional rider to an existing dental insurance plan. As a standalone plan, it can be customized, allowing you to select covered items such as glasses, contacts, or both. However, both plans give you access to vision care benefits such as allowances for prescription glasses, routine eye exams, and discounts on other vision services.

UnitedHealthcare has no waiting periods, offers coverage for all ages, covers out of network treatments, and offers big savings through its large national network of eyewear and vision service providers.

Network providers are categorized into three areas: full service, exam only, and dispense only. Full service providers cover eye examinations and discounted prescription eyewear. Eye exam only is for discounted eye examinations, while dispense only is for discounts on prescription eyewear.

UnitedHealthcare’s vision care plans vary according to an applicant’s gender, age, location, and smoking habits. Vision plans cover yearly eye examinations, with a $10 co-pay for network providers and a $50 allowance on charges not beyond the amount for non-network providers is provided. Coverage also includes frames, lenses, and contacts.

Covered Items 



Eye Examinations



Single Vision: Any Charge over $40 allowance, Bifocal: Any Charge over $60 allowance, Trifocal/Lenticular: Any charge over $80 allowance, Eye Exam: Any charge over $50 allowance, Frames: Any charge over $150 allowance (network) Any charge over $75 allowance (non-network), Non-selection Contacts: Any charge over $125 allowance

Lens Options

Scratch Resistance


UV Coating

Not Stated


Not Stated


Not Stated


Not Stated

Types of Vision Plans


Family Plan

Stand-alone Plans

Preferred Provider Organizations

Employer Provider

Health Maintenance Organizations


Out-of-Network Coverage

Size of Network

Not Stated

Find Doctors Online


Plan Name

Plan A

Co-payment – Exam


Co-Payment - Glasses



Not Stated

Coverage Period

Waiting Time

No Waiting Period


Online Enrollment


Not Stated

Customer Resources

Eye Exam Locations

Not Stated

Online Account Management

Mobile App



Vision Insurance at United Healthcare

UnitedHealthcare’s vision insurance is available either as a supplement or standalone policy. There are no waiting periods and it is available for all ages. Discounts and savings are not limited to in-network providers but also to non-network eye care specialists.

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Top Rated
Our Partner
9.4 / 10
  • Freedom to Go Out of Network
  • No waiting periods
  • Coverage for people of all ages
  • $10 copay for eye exams
  • Laser eye surgery discounts