UnitedHealthcare Vision Insurance

4.6 Stars


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UnitedHealthcare is a well-known insurance provider serving over 27 million Americans. The company’s vision insurance is underwritten by Golden Rule Insurance Company, which has been in existence for over 80 years and was acquired in 2003 by UnitedHealth Group. UHC vision plans are available to adults of any age and are available in all but eight states and Washington DC.

UnitedHealthcare Vision

Editorial Breakdown


4.2 Stars


4.3 Stars

Provider Network

4.6 Stars

Customer Service

4.3 Stars

Overall Rating

4.6 Stars

Bottom Line

UnitedHealthcare is a well-known insurance provider serving over 27 million Americans.

UnitedHealthcare Vision Insurance Review

Eye health becomes even more critical as you age. AARP says that many adults over 50 are not receiving regular eye care, likely due to a lack of vision insurance. Medicare does not cover vision-related expenses, so many retirees purchase a separate vision plan, and UnitedHealthcare makes choosing a policy easy. We included UnitedHealthcare vision insurance in our Best Vision Insurance Guide because the company offers the most straightforward choices in coverage.


  • A single plan option
  • Convenient in-network provider locations
  • No age maximum
  • No waiting period
  • $10 copay for in-network eye exams


  • No cancellations in the first year in many states
  • Not available in every state

UnitedHealthcare Vision Insurance Options

UnitedHealthcare sells vision insurance as a standalone plan, or you can add eye care coverage to a UnitedHealthcare dental policy. Its VisionWise standalone plan offers coverage for both contacts and glasses. Once your application is approved and you pay the premium, you can use UnitedHealthcare vision insurance immediately.

We found premium prices and coverage to be relatively uniform across many states. However, state regulations vary, so your cost and options may be slightly different. UHC does not sell vision insurance in Massachusetts, Minnesota, New Jersey, New Mexico, New York, Oregon, Rhode Island, Virginia, Washington or the District of Columbia.

UnitedHealthcare Vision Insurance Coverage Breakdown

UnitedHealthcare offers a single VisionWise plan for eyeglasses and contacts, The policy includes coverage for: 

  • Annual eye exam
  • Eyeglass lenses, including bifocal- and trifocal-lined lenses
  • Eyeglass frame allowance
  • Contact lenses, including fitting and evaluation

Some eye care expenses not covered by UnitedHealthcare vision insurance include:

  • Replacement of lost or broken frames or contact lenses
  • Vision therapy services
  • Eye surgeries or other medical treatment (covered under medical insurance)
  • Corrective eye surgeries like LASIK
  • Non-prescription eyewear
  • Premium options like high-index lenses (extra thin) or anti-reflective coatings

The following chart explains the vision benefits available in the UnitedHealthcare VisionWise plan administered by Spectera, Inc.

Eye exam, in-network$0 copay
Eye exam, out-of-network$50 allowance
Frames, in-network$150 allowance
Frames, out-of-network$75 allowance
Lenses, in-network$10 copay for single-vision, bifocal-lined and trifocal-lined lenses
Lenses, out-of-network$40 (single focus), $60 (bifocals) or $80 (trifocals) allowance
Contacts, in-network$150 allowance for a 12-month supply
Contacts, out-of-network$105 allowance for a 12-month supply
UnitedHealthcare Vision Insurance Overview

As with all insurance products, we recommend you read the entire plan description and ask questions before signing a contract. In most states, you are obligated to pay all premiums for 12 months before you can cancel.

UnitedHealthcare Vision Insurance Costs

The cost of vision insurance varies by state and factors such as your age, gender, and whether or not you use tobacco. We used the company’s website quote calculator to get an idea of the fee range, and it appears to be pretty stable across demographics. For reference, we looked at prices for both men and women, in Tulsa and San Diego, ages 65 and 85, and the estimated monthly premium for all groups is $13.28 per month. 

In most states, you can add a partner or a dependent under the age of 26 for twice the monthly premium, or around $26.56 per month.

The monthly premium for UHC vision insurance is the same whether you purchase the insurance by itself or as an add-on to a UnitedHealthcare dental insurance plan. You must commit to paying 12 consecutive monthly premiums in most states. UnitedHealthcare vision insurance is renewable for life.

How to Buy UnitedHealthcare Vision Insurance

You can purchase a vision insurance plan by visiting the UnitedHealthcare website or calling a representative on the phone. On the site, click on Shop for Insurance, then select Supplemental Insurance to find the option for vision plans. Fill in the form on the quote calculator and choose the plan that fits your needs to see the cost. You can immediately apply for the vision insurance after you view the quote.

UnitedHealthcare accepts vision insurance premium payments online using a credit card or electronic funds transfer. Typically, approval is speedy, and you can receive coverage as soon as the next day.

UnitedHealthcare Vision Insurance Complaints

UnitedHealthcare Vision has earned the second-highest ranking in J.D. Power’s 2022 and 2023. AM Best recognizes UnitedHealthcare’s underwriter, Golden Rule Insurance Company, with an “A+” ranking for financial stability and strength.

ConsumersAdvocate awards Golden Rule Insurance Company a high score of 4.5 out of 5 stars and ranks it as one of its top picks for Best Vision Insurance. TopTenReviews rated UnitedHealthcare’s vision plans 4 out of 5 stars for excellent benefits and affordable premiums. However, reviewers on ConsumerAffairs give the company only one star, with many complaints about the difficulty of finding in-network providers and a frustrating and slow process for out-of-network reimbursements.

UnitedHealthcare Vision Q&A

Can my UnitedHealthcare vision insurance premiums change?

Yes. UnitedHealthcare reviews premiums annually and gives customers at least 31 days’ notice of any rate changes.

Does UnitedHealthcare vision insurance pay for eye surgery or medical treatments?

No. Medical insurance covers procedures such as macular degeneration treatment or cataract surgery, so UnitedHealthcare vision insurance does not include these benefits. 

Can I qualify for a UnitedHealthcare vision plan if I have Medicare?

Yes, Medicare recipients are encouraged to apply.

How do I find UnitedHealthcare in-network vision care providers?

Visit UnitedHealthcare’s website and use the provider locator tool to see in-network providers in your area. It’s best to do this before you sign up for vision coverage.

How can I determine if UnitedHealthcare excludes my state from the 12-month premium requirement?

UnitedHealthcare publishes a list of Vision State Variations on its website. Check this resource to see if your state is listed.


Many retirees opt to buy vision insurance coverage since neither Medicare nor Medicare supplement insurance provides eye care benefits. Choosing a vision policy can be confusing, so UnitedHealthcare makes it easy with a single plan. Plan details for each state are easy to find on UnitedHealthcare’s website, and you can add a dependent or significant other to your vision insurance at a low cost.

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