Vision Insurance

Complete employee protection is in sight

With all the screen time and daily demands we put on our eyes, good vision care is an important part of good health. Help employees take an active approach in maintaining vision health by providing access to valuable vision care services.

Plan administrators: Manage online billing, update employee salary adjustments and terminations, and more through our secure website. Not yet registered?

The value of Vision Insurance

Employees’ eyes deserve the best care to keep them healthy year after year. With Unum Vision, they will get a great value on their eye care and eyewear, at the time and place that fits their lifestyles and budgets. Besides creating a more competitive benefits package, Vision Insurance helps reduce out-of-pocket expenses for employees — empowering them to get the vision care they need.

65% of Americans experience some form of digital eye strain.1

Early diagnosis of vision issues means treatment is most effective2 and may make treatment less costly.3

Regular vision exams can help show signs of:

  • Diabetes2
  • High blood pressure2
  • Macular degeneration2
  • Cancer4

Vision Insurance is a smart way to add value for both your business and your employees

Value for employers

  • Offer a robust benefits package to attract and retain high-performing employees without incurring additional expenses
  • Subsidize the rising costs of benefits through supplemental insurance
  • Convenience of utilizing our enrollment solutions and customer service team to help explain benefits, locate providers, answer claim questions and more
  • Reduced burden with the assistance of our Vision Insurance partners

Value for employees

  • Focus on maintaining healthy vision instead of worrying about how to cover the cost of exams and lenses
  • Access to a network of over 40,000 providers nationwide
  • Ability to order contacts online and save on many popular brands
  • May be able to keep coverage even if they change jobs

How Unum Vision Insurance works

Flexible plan packages designed to fit any need

  • Full-service plans covering materials and exams
  • Exam-only plans
  • Materials-only plans
  • Safety eyewear rider available for groups of 250 or more enrolled employees in select industries
  • Custom plans

Easy access to care at popular providers across the nation

Our vision network offers members access to convenient, quality care with more than 40,000 vision access points,5 including independent optometrists and retail stores like Walmart, Sam’s Club, JCPenney, Sears Optical, America’s Best and many more.

Standard plan benefits

Covered service Benefit
Eye exams
(Once every 12 months)
Each member is entitled to a comprehensive eye exam for a low exam co-pay at any location they choose.
Eyeglass lenses
(Once every 12 or 24 months)
Single vision, bifocal and trifocal lenses are covered in full by materials co-pay. Generous allowances for lenticular and progressive lenses.
Eyeglass frames
(Once every 12 or 24 months)
Members may choose any frame with no brand restrictions. Frame allowances are applied toward the purchase of any frame in a provider's collection.
Contact lenses
(Once every 12 or 24 months)
Members may elect contact lenses in lieu of glasses with no brand restrictions.6 The contact lens allowance may also be applied toward any professional fitting fee.
LASIK surgery Discounts are available with participating providers. This is not an insured benefit.

For illustrative purposes. Actual coverage amounts may vary by plan.

1. The Vision Council, Eyes Overexposed: The Digital Device Dilemma (2016).
2. Centers for Disease Control and Prevention, “Keep an Eye on Your Vision Health” (2016).
3. Center for Disease Control, “The Burden of Vision Loss” (2015).
4. American Cancer Society, “Can Eye Cancer Be Found Early?” (2016).
5. Material co-pays are deducted from allowances. New enhanced plans offer a separate contact lens fitting fee benefit with low co-pays.

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to the actual policy or your Unum representative for specific provisions and details of availability.

Vision plans are marketed by Unum, administered and underwritten by Starmount Life Insurance Company.