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Exclusive Vision Plans with Ameritas
Take advantage of Costco Member Value with competitively priced individual and family vision coverage from Ameritas.
See Vision Plans & Rates
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Vision Insurance Savings for Individuals and Families:Vision insurance can make routine eye care and prescription eyewear easier to budget. Using an in-network provider may reduce what you pay for covered exams, lenses, frames and contact lenses, while also providing discounts on additional eyewear services.
Compare Vision Plans
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Why Ameritas Vision Insurance?
A company you can count on |
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|---|---|---|
| Vision Experience |  |
Offering vision insurance since 1984 |
| Leading Vision Networks | |
Individual plan options may include access to VSP in most states (Source) |
| Large Customer Base | |
Providing dental and vision insurance to more than 13.2 million people nationwide (Source) |
| Industry Ratings | |
A+ (Strong) - Standard & Poor's, analysis dated April 8, 2026 A (Excellent) - AM Best, analysis dated June 25, 2026 (Source) |
| Convenient Member Access | |
Online access to plan information, available ID cards, vision claims and network resources |
| Call Center | |
BenchmarkPortal Center of Excellence certification for the 20th consecutive year (Source) |
What's covered by an Ameritas vision plan?
 Routine Eye Exams |
- Comprehensive routine vision examination - Vision prescription evaluation |
 Eyeglass Lenses |
- Single-vision, bifocal or trifocal lenses, depending on the plan - Plan benefits vary by lens type and frequency |
 Frames |
- Frame allowance or covered frame selection - Additional savings may apply to amounts above the allowance |
 Contact Lenses |
- Elective prescription contacts up to the plan allowance - Medically necessary contacts when plan requirements are met |
 Lens Options |
- Discounts may apply to anti-reflective coating, scratch resistance, polycarbonate lenses and other enhancements |
 Laser Vision Correction |
- Discounts may be available for LASIK or PRK through participating providers |
Note: This is not a certificate of insurance or guarantee of coverage. Plan designs may not be available in all areas and are subject to individual state regulations. PPO plans are underwritten by Ameritas Life Insurance Corp. (Ameritas Life; click here to view the Ameritas Underwriting Disclosure). Dental, vision and hearing care products (9000 Rev. 07-23 for Group and 9000 Rev. 10-22 for Individual, dates may vary by state) are issued by Ameritas Life. The Dental and Vision Networks are not available in RI. Network availability, participating providers, benefit frequencies, copays and allowances vary by plan and location. Ameritas and the bison design are service marks or registered service marks of Ameritas Life, affiliate Ameritas Holding Company or Ameritas Mutual Holding Company. © 2026 Ameritas Mutual Holding Company.
Vision Plan Limitations and Exclusions
Vision Insurance FAQs
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What does Ameritas vision insurance typically cover?
Answer
Most vision plans provide a benefit for a routine eye exam and vision-correction materials such as prescription eyeglasses or contact lenses. Benefits for frames, lens types, lens enhancements, contacts and service frequency vary by the plan selected. -
Can I use an Ameritas vision plan at Costco Optical?
Answer
Some VSP plans may allow members to receive network benefits through participating Costco Optical locations. Provider participation and benefit levels vary, so confirm that the location participates in the network associated with your specific plan before scheduling an exam or purchasing eyewear. -
Can I receive benefits for frames and contact lenses in the same year?
Answer
It depends on the plan and network. VSP network benefits generally apply to contacts or glasses during the benefit year. EyeMed plans may allow the frame allowance to be used after contact lens benefits, although the eyeglass lenses may be an out-of-pocket expense. Review the selected plan documents for exact benefit rules. -
Can I buy vision insurance without health insurance?
Answer
Yes. Individual vision insurance is supplemental coverage that may be purchased separately from major medical insurance, subject to plan availability in your state. Compare the premium, provider network, copays, allowances and benefit frequency before enrolling.