Does Costco Accept Insurance For Glasses?

Costco, the popular membership warehouse club, is well-known for its wide range of products and services. Among its offerings, Costco also provides optical services, including prescription eyewear.

If you’re a Costco member and wondering whether Costco accepts insurance for glasses.

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Understanding Vision Insurance

Vision insurance is a type of insurance that helps cover the costs of eye care services, including eye exams, prescription glasses, and contact lenses. It is typically a separate plan from regular health insurance and can be obtained through employers or purchased individually.

Vision Insurance Coverage for Glasses

When it comes to purchasing eyewear with vision insurance, the coverage may vary depending on your specific plan. Here are some common aspects of vision insurance coverage for glasses:

Frame Coverage

Vision insurance often provides a specific allowance for frames. This allowance can be used to choose from a selection of frames at Costco, which includes various styles and brands.

Lens Coverage

The cost of prescription lenses can also be partially or fully covered by vision insurance. Whether you need single-vision, bifocal, or progressive lenses, your insurance may help offset the expense.

Lens Coatings and Upgrades

Certain lens coatings, such as anti-reflective coatings or transition lenses, might also be covered by your vision insurance. Upgrades like thinner lenses or photochromic lenses may be eligible for partial coverage.

Benefits of Using Vision Insurance at Costco

Wide Selection of Eyewear

Costco offers an extensive range of eyeglasses and sunglasses, catering to different styles and preferences. With your vision insurance, you can choose from a diverse collection of frames and find the perfect fit for your face.

Competitive Pricing

One of the significant advantages of Costco’s optical department is its competitive pricing. Even with vision insurance, you’ll likely find that Costco provides cost-effective options for high-quality eyewear.

Quality and Service

Costco is renowned for its commitment to providing top-notch products and services. Their optical centers are staffed with skilled optometrists and opticians, ensuring you receive quality eye care.

How to Use Vision Insurance at Costco

Check Your Insurance Coverage

Before visiting Costco’s optical department, take a moment to review your vision insurance policy. Understand what benefits are available, including frame and lens allowances, and whether Costco is in-network for your plan.

Make an Appointment

While Costco accepts walk-ins for eye exams, scheduling an appointment can reduce waiting time and ensure you get dedicated attention from the staff.

Choosing Eyewear

Once you’ve had your eye exam and received your prescription, you can begin browsing through Costco’s selection of eyeglasses. Don’t hesitate to ask for assistance from the knowledgeable staff.

Submitting Insurance Claims

Costco’s optical centers often have the necessary paperwork and expertise to help you with insurance claim submissions. They can guide you through the process and ensure you receive the benefits you’re entitled to.


Is Costco Optical part of my vision insurance network?

Costco Optical is affiliated with many major vision insurance networks. It’s advisable to check with your insurance provider to determine if Costco is in-network for your specific plan.

Can I use out-of-network benefits at Costco?

Yes, you can use out-of-network benefits at Costco. However, the coverage and reimbursement rates may vary compared to in-network benefits.

What vision insurance plans does Costco accept?

Costco typically accepts a wide range of vision insurance plans. Some of the common providers include EyeMed, VSP, Davis Vision, and more.

Can I use FSA or HSA for eyewear at Costco?

Yes, you can use your Flexible Spending Account (FSA) or Health Savings Account (HSA) to purchase eyewear at Costco, even if you don’t have specific vision insurance.

Does Costco offer a warranty on eyewear?

Yes, Costco provides a satisfaction guarantee and manufacturer’s warranty on their eyewear, ensuring you are satisfied with your purchase.


Costco is a convenient and cost-effective option for purchasing eyewear with the support of vision insurance. By understanding your insurance coverage and utilizing the benefits Costco offers, you can find the perfect pair of glasses without breaking the bank. Remember to schedule an eye exam, explore the wide selection of frames, and make the most of your vision insurance benefits at Costco.

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