Humana Vision Insurance

4.55 Stars

Updated:

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Humana offers a variety of vision insurance plans you can bundle with dental and hearing coverage. Humana’s flexible vision insurance plans are competitively priced and often feature low copays, out-of-network benefits, and convenient locations for eye exams or purchasing glasses or contact lenses.

Humana Vision Insurance

Editorial Breakdown

Cost

4.4 Stars

Plans

4.6 Stars

Provider Network

4.6 Stars

Customer Service

4.3 Stars

Overall Rating

4.55 Stars

Bottom Line

Vision insurance plans fit most needs and have day 1 benefits. The allowance for frames and lenses or contact lenses is comparatively high with exceptional in-network benefits.

Humana Vision Insurance Review

Humana is the third largest health insurance provider and plan administrator in the U.S. The company focuses on integrative care to improve health and well-being while reducing costs. In addition to providing insurance for individuals and families, Humana specializes in benefits for military personnel, and Medicaid and offers Medicare Supplement plans.

We included Humana in our Best Vision Insurance guide because its Medicare Advantage plans automatically cover routine vision and dental coverage. You can also purchase an optional supplemental benefit plan for better benefits.

Pros

  • Relatively high allowance for frames and lenses or contacts
  • Convenient in-network provider locations
  • Fair premium prices
  • Handy online resources for members

Cons

  • Must use in-network providers
  • Fees and copays can be confusing

Humana Vision Insurance Options

Most Humana vision insurance plans require you to receive vision care and buy glasses or contact lenses through an in-network provider. Some policies cover out-of-network services, but you will realize little to no cost savings. Humana has over 95,000 in-network providers in many convenient locations, including LensCrafters, Pearle Vision, and Target Optical. You can use the provider locator on the Humana vision insurance website to check for the options in your area.

Humana offers several different vision plans, depending on the state you live in and the type of coverage you need. The chart below shows two of these options, but check the company’s website to see which plans are available to you.

OptionDescription
MyOption Vision– $0 copay when using a PLUS network provider
– $200 to 250 frames or contacts allowance
– $10 copay for lenses
Humana Vision PPO
– $10 copay toward an annual eye exam
– $25 copay for lenses
– $100 yearly frame allowance, then you pay 80%
– $25 copay for standard lenses
– $40 contact lens exam
– $100 allowance for contacts
– No annual deductible
Humana Vision Insurance

Humana Vision Insurance Costs

Humana vision insurance plans vary in cost depending on where you live, plan inclusions and other factors like your age or gender. We used the company’s quote calculator on the website to get an idea of how much the insurance costs and premiums are between $12 and $17 per month for an individual.

How to Buy Humana Vision Insurance

Start by visiting Humana’s website and use the quote calculator to find a plan that works for you. Enter your contact information and answer a few questions to see the monthly premium and services covered under the policies. You can then purchase the insurance online or have a representative contact you. If you prefer not to use the online quote tool, call a licensed Humana representative at the number listed on the website.

Humana Vision Insurance Complaints

Humana Inc. is accredited by the Better Business Bureau, which gives the company an A+ rating. As is the case with all insurance companies, the BBB has records of complaints, and Humana answered or resolved each one. TopTenReviews scores Humana vision insurance 4 out of 5 stars. Humana also has an excellent financial rating of A with AM Best for its financial stability.

Humana Vision Insurance FAQs

How do I find out if my eye doctor is in the Humana network?

The easiest way to determine if your eye care provider is in Humana’s network is to visit the website and click on the link to search the list of in-network providers.

Can I get LASIK surgery with Humana vision insurance?

Vision insurance does not cover surgery, which falls under medical insurance benefits. LASIK is an elective surgery that Humana vision insurance provides a 15% discount on at a preferred provider. If you go out of network, you will receive 5% off the cost.

Can I upgrade my glasses with options like high-index lenses or UV filtering with Humana vision insurance?

Yes, for an additional fee, you can upgrade your single-vision, bifocal or trifocal lenses with various coatings and other enhancements.

Does Humana’s vision insurance frame allowance cover designer styles?

You can choose any frame brand available from an in-network provider. If the cost of frames is more than your allowance, you pay the difference.

Is there a waiting period for Humana vision insurance coverage to start?

In most cases, there is no waiting period to take advantage of Humana vision benefits, so your coverage begins immediately.

Conclusion

Vision almost always declines with age, and adults over age 65 have an increased risk of falls and other accidents due to vision problems. Humana is a financially sound company that provides a selection of fairly-priced vision insurance plans to take your eye health seriously. While retirees may compare all Humana vision insurance plans that are appropriate for them, a Humana Medicare Advantage plan comes standard with coverage for regular and diabetic eye exams, a generous frame or contacts allowance and glaucoma screenings, deserving serious consideration.

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