Does Health Insurance Pay For Glasses? 
You would be best served to assume the answer to this question will be `` No '' , especially if you are over age 18 . Vision exams , eyeglasses and contact lenses are generally covered under a separate vision insurance plan if your employer offers one or you choose to purchase coverage in the individual market . There are certainly some self-funded employer health plans and union health plans that include vision coverage in the major medical package but these are relatively rare . An area of confusion and frustration for many businesses and individuals who are purchasing health insurance plans that meet the minimum essential benefits requirements of the Affordable Care Act -LRB- ObamaCare -RRB- is that it requires that PEDIATRIC dental and vision services be covered under the major medical plan . Of course , some people just hear the dental & vision part and think it applies to adults enrolled in the plan -LRB- it does n't -RRB- . The other big surprise can be how the pediatric dental & vision benefits are structured in the health plan . Preventive dental and an annual eye exam should be covered at 100 % . After that , the coverage can vary wildly from one insurance carrier to the next . Some design their pediatric dental & vision benefits like standard vision and dental insurance plans that people have been accustomed to . However , it is not uncommon to find that non-preventive pediatric dental and vision services are subject to the major medical plan 's deductible and co-insurance provisions . So , technically your child 's eyeglasses may be covered but if you have a $ 4000 deductible you have n't met then in practical terms this will mean your child 's eyeglasses will be an out-of-pocket expense . 