Eye Exam Cost Without Insurance: How Much is It?

How much do eye exams cost without insurance?

The cost of an eye exam without insurance varies depending on if you are a new or returning patient. Routine eye exams may also be considered preventative checkups.

In general, it can cost around $200 if it's your first time getting an eye exam and around $150 if you are a recurring patient.¹ If your doctor recommends coming back for a second checkup shortly after, you could be looking at a $350 bill in total for the two appointments. Without insurance, the cost of an eye exam could be financially stressful, depending on your circumstances.

How much do eye exams cost with insurance?

On the other hand, most vision insurance plans will partially cover routine eye exams. On average, patients only pay $10 to $40 out-of-pocket for routine or preventative vision checkups.¹ Knowing the costs for vision care are much lower with insurance may help motivate you to get your eyes checked annually.

Most optometrists check to make sure your vision is clear, whether your prescription is up to date or requires changes, how your eye muscles are functioning and your overall ocular health.¹ Since these exams cover a lot of ground, it can be helpful to ensure you aren't left paying the eye exam price without vision insurance.

How vision insurance works

Vision insurance is a type of supplemental health insurance plan that helps cover the costs associated with routine eye care, including eye exams, glasses, and contact lenses. Typically, vision insurance works by providing a set of benefits within a network of eye care providers. Policyholders pay a monthly premium and can receive coverage for specified services, often with a copay for exams or discounts on eyewear.

Vision Insurance Coverage

Every vision insurance plan works differently, so it's important to look at the fine details within each plan. Here's what types of coverage vision insurance plans may offer:

• Some will cover more extensive surgeries, and some will not, so it's important to research all your options.²


• Some vision plans provide benefits once a year, while others provide benefits every two years.²


• Vision plans typically won't cover self-chosen surgeries like Lasik.²


• Most plans will cover routine eye exams and some or all of contacts and glasses costs.²

To learn more about the specifics within an Aflac supplemental vision insurance, talk to an agent today.

Get Aflac vision insurance coverage for eye exams

Getting an eye exam without insurance can be costly. Luckily, Aflac vision insurance can help you get the support you need to care for your eyes. Our full coverage plans can help you pay for wellness exams and prescription updates. On the other hand, our supplemental vision insurance plans are only offered through employee payroll and give you cash benefits to pay for expensive vision bills. Get the vision coverage you need today with Aflac.