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Vision plans made for you

With an Aetna Vision Preferred Direct™ plan, you get the insurance coverage you need to keep your eyes healthy. Plus, the eyewear you want, where you want.

 

Looking for dental benefits? You can save by choosing an Aetna Dental Direct plan that includes vision coverage.

Choice and convenienceMore providers to fit your needs

Look up thousands of independent eye doctors, top optical retailers and online options.

 

Find a vision provider

  • Independent locations

    You get access to a broad network of neighborhood eye doctors and private practices. Local, trusted advisers to meet your vision care needs.

  • Retail locations

    You can visit some of the most preferred, recognized retail chains like LensCrafters®, Pearle Vision℠ and Target Optical®. You get a diverse choice of neighborhood stores, too, like America’s Best®, Eyeglass World®, For Eyes® and more.

  • Online options

    Many network retailers offer online shopping. This includes LensCrafters®, Target Optical® and Ray-Ban®. Plus, many more, like Oakley®, Contacts Direct, and Glasses.com.

Vision plans at a glance

Looking for a plan that fits your life and budget? Let’s explore.

 

With our vision insurance for individuals and families, we can help you find the right plan. Use this chart to compare coverage and costs for Aetna Vision Preferred Direct plans.This chart shows in-network benefits.

Value Plan

Select Plan

Elite Plan

Deductible*

No deductible

No deductible

No deductible

Eye exam copay*

$20

$15

$10

Standard lens copay*

$25

$20

$10

Frame allowance*

$130

$160

$200

Contact lens allowance*

$130

$160

$200

Progressive lens copay*

Standard: $90

 

Premium tiers 1-3: $110-$135

Standard: $85

 

Premium tiers 1-3: $105-$130

Standard: $10

 

Premium tiers 1-3: $95-$120

Standard lens options*

Polycarbonate: $40


Scratch resistant: $15


Anti-glare: $45

 

UV protection: $15

 

Tinted lenses: $15

 

Photochromic light-to-dark tinting: $75

Polycarbonate under age 19: $0

 

Polycarbonate over age 19: $40

 

Scratch resistant: $15

 

Anti-glare: $45

 

UV protection: $15

 

Tinted lenses: $15

 

Photochromic light-to-dark tinting: $75
 

Polycarbonate: $0

 

Scratch resistant: $0

 

Anti-glare: $45

 

UV protection: $15

 

Tinted lenses: $15

 

Photochromic light-to-dark tinting: $75

Out-of-network coverage*

Included

Included

Included

Monthly cost*

Starting at $10.40 a month

Starting at $13.13 a month

Starting at $18.33 a month

Value Plan

Deductible*

No deductible

Eye exam copay*

$20

Standard lens copay*

$25

Frame allowance*

$130

Contact lens allowance*

$130

Progressive lens copay*

Standard: $90

 

Premium tiers 1-3: $110-$135

Standard lens options*

Polycarbonate: $40


Scratch resistant: $15


Anti-glare: $45

 

UV protection: $15

 

Tinted lenses: $15

 

Photochromic light-to-dark tinting: $75

Out-of-network coverage*

Included

Monthly cost*

Starting at $10.40 a month

Select Plan

Deductible*

No deductible

Eye exam copay*

$15

Standard lens copay*

$20

Frame allowance*

$160

Contact lens allowance*

$160

Progressive lens copay*

Standard: $85

 

Premium tiers 1-3: $105-$130

Standard lens options*

Polycarbonate under age 19: $0

 

Polycarbonate over age 19: $40

 

Scratch resistant: $15

 

Anti-glare: $45

 

UV protection: $15

 

Tinted lenses: $15

 

Photochromic light-to-dark tinting: $75
 

Out-of-network coverage*

Included

Monthly cost*

Starting at $13.13 a month

Elite Plan

Deductible*

No deductible

Eye exam copay*

$10

Standard lens copay*

$10

Frame allowance*

$200

Contact lens allowance*

$200

Progressive lens copay*

Standard: $10

 

Premium tiers 1-3: $95-$120

Standard lens options*

Polycarbonate: $0

 

Scratch resistant: $0

 

Anti-glare: $45

 

UV protection: $15

 

Tinted lenses: $15

 

Photochromic light-to-dark tinting: $75

Out-of-network coverage*

Included

Monthly cost*

Starting at $18.33 a month

Check out our brochure

 

You'll find vision care services, costs, network retailers, special offers and more.

 

Aetna Vision Preferred Direct plan brochure (PDF)

Deductible

The amount you pay before your plan starts to pay for covered vision services. Great news! With Aetna Vision Preferred Direct plans, you have no deductible.

Eye exam copay

The amount you pay to the network provider for your routine eye exam. You can get 1 eye exam every 12 months.

Standard lens copay

The amount you pay to a network provider for your base eyeglass lens. Base eyeglass lenses include standard plastic single vision, bifocal, trifocal or lenticular lenses. You can use your lens benefit towards the purchase of eyeglass lenses or contact lenses every 12 months.

Frame allowance

The amount your plan covers for frames when you visit a network provider. If the cost of your frames is more than your allowance, you get 20% off the balance. You pay the rest of the balance up to the total cost of the frame.

Contact lens allowance

The amount your plan covers for conventional contact lenses (extended wear) when you buy them from a network provider. If your cost of the contact lens is more than your allowance, you get 15% off the balance. You can use your lens benefit towards the purchase of eyeglass lenses or contact lenses every 12 months.

Progressive lens copay

The amount you pay to the network provider for upgrading to a progressive lens. This copay includes the cost of the bifocal lens plus the progressive lens. If you choose a progressive lens outside of tiers 1 to 3, you get a 20% discount off the retail cost plus a $120 plan allowance.

Standard lens options

You can get lens options at a discount when you visit a network provider. You don’t pay more than the listed amount. Some lens options are covered 100% based on the plan you choose. Other non-covered lens options are 20% off the retail cost.

Out-of-network coverage

You have the choice to visit a provider who isn’t in our network. If you do, you pay the provider in full and file a claim to get reimbursed (up to your maximum out-of-network plan limit).

Monthly cost

These monthly costs are examples of our lowest monthly rates. Your cost may vary based on the individual vision plan you choose and the number of people you insure. Once you choose a plan, check your plan documents for your covered services and benefit levels.
Customer support

Questions?

To learn about our individual vision plans, call us at 1-855-804-2410 ${tty}. We’re here Monday to Friday, 8 AM to 8 PM ET.

Legal notices

Dental plans and vision benefits are insured by Aetna Life Insurance Company (Aetna). Certain vision claims administration services are provided by First American Administrators, Inc. and certain network administration services are provided through EyeMed Vision Care ("EyeMed"), LLC.

This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage. Insurance plans contain exclusions and limitations. See brochure and policy for a complete description of benefits, exclusions, limitations, and conditions of coverage. Providers are independent contractors and are not agents of Aetna®. Provider participation may change without notice. Plan features and availability may vary by location and are subject to change.

Vision insurance plans contain exclusions and limitations. Not all vision services are covered. Exclusions and limitations for vision include: any charges in excess of the benefits, dollar or supply limits listed above; special vision procedures, such as orthoptics, vision therapy or vision training; vision services or supplies that do not meet professionally accepted standards; plano (non-prescription) lenses; non-prescription sunglasses; two pair of glasses in lieu of bifocals; medical and/or surgical treatment of the eyes; cosmetic services; lost or broken lenses, frames, glasses or contact lenses. Other exclusions and limitations may also apply.

See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. Providers in the Aetna Vision network are contracted and credentialed through EyeMed Vision Care, LLC according to EyeMed's requirements. EyeMed and Aetna are independent contractors and not agents of each other. Provider participation may change without notice.

Policy form issued in all approved states is AL IVL HPol-VisionPPO.

DISCOUNT OFFERS ARE NOT INSURANCE. They are not benefits under your insurance plan. You get access to discounts off the regular charge on products and services offered by third party vendors and providers. Aetna makes no payment to the third parties — you are responsible for the full cost. Check any insurance plan benefits you have before using these discount offers, as those benefits may give you lower costs than these discounts.

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Applied Behavior Analysis Medical Necessity Guide

By clicking on “I Accept”, I acknowledge and accept that:
 

The Applied Behavior Analysis (ABA) Medical Necessity Guide helps determine appropriate (medically necessary) levels and types of care for patients in need of evaluation and treatment for behavioral health conditions. The ABA Medical Necessity Guide does not constitute medical advice. Treating providers are solely responsible for medical advice and treatment of members. Members should discuss any matters related to their coverage or condition with their treating provider.

Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply.

The conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna) for a particular member. The member's benefit plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary.

Please note also that the ABA Medical Necessity Guide may be updated and are, therefore, subject to change.

Medical necessity determinations in connection with coverage decisions are made on a case-by-case basis. In the event that a member disagrees with a coverage determination, member may be eligible for the right to an internal appeal and/or an independent external appeal in accordance with applicable federal or state law.

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Licensee's use and interpretation of the American Society of Addiction Medicine’s ASAM Criteria for Addictive, Substance-Related, and Co-Occurring Conditions does not imply that the American Society of Addiction Medicine has either participated in or concurs with the disposition of a claim for benefits.

 

This excerpt is provided for use in connection with the review of a claim for benefits and may not be reproduced or used for any other purpose.

 

Copyright 2015 by the American Society of Addiction Medicine. Reprinted with permission. No third party may copy this document in whole or in part in any format or medium without the prior written consent of ASAM.

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Precertification lists

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Should the following terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button below labeled "I Accept".

 

  • The term precertification here means the utilization review process to determine whether the requested service, procedure, prescription drug or medical device meets the company's clinical criteria for coverage. It does not mean precertification as defined by Texas law, as a reliable representation of payment of care or services to fully insured HMO and PPO members.
  • Applies to: Aetna Choice® POS, Aetna Choice POS II, Aetna Medicare℠ Plan (PPO), Aetna Medicare Plan (HMO), all Aetna HealthFund® products, Aetna Health Network Only℠, Aetna Health Network Option℠, Aetna Open Access® Elect Choice®, Aetna Open Access HMO, Aetna Open Access Managed Choice®, Open Access Aetna Select℠, Elect Choice, HMO, Managed Choice POS, Open Choice®, Quality Point-of-Service® (QPOS®), and Aetna Select℠ benefits plans and all products that may include the Aexcel®, Choose and Save℠, Aetna Performance Network or Savings Plus networks. Not all plans are offered in all service areas.
  • All services deemed "never effective" are excluded from coverage. Aetna defines a service as "never effective" when it is not recognized according to professional standards of safety and effectiveness in the United States for diagnosis, care or treatment. Visit the secure website, available through www.aetna.com, for more information. Click on "Claims," "CPT/HCPCS Coding Tool," "Clinical Policy Code Search."
  • The five character codes included in the Aetna Precertification Code Search Tool are obtained from Current Procedural Terminology (CPT®), copyright 2025 by the American Medical Association (AMA). CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians.
  • The responsibility for the content of Aetna Precertification Code Search Tool is with Aetna and no endorsement by the AMA is intended or should be implied. The AMA disclaims responsibility for any consequences or liability attributable or related to any use, nonuse or interpretation of information contained in Aetna Precertification Code Search Tool. No fee schedules, basic unit values, relative value guides, conversion factors or scales are included in any part of CPT. Any use of CPT outside of Aetna Precertification Code Search Tool should refer to the most Current Procedural Terminology which contains the complete and most current listing of CPT codes and descriptive terms. Applicable FARS/DFARS apply.

 

LICENSE FOR USE OF CURRENT PROCEDURAL TERMINOLOGY, FOURTH EDITION ("CPT®")

 

  • CPT only Copyright 2025 American Medical Association. All Rights Reserved. CPT is a registered trademark of the American Medical Association. You, your employees and agents are authorized to use CPT only as contained in Aetna Precertification Code Search Tool solely for your own personal use in directly participating in health care programs administered by Aetna, Inc. You acknowledge that AMA holds all copyright, trademark and other rights in CPT. Any use not authorized herein is prohibited, including by way of illustration and not by way of limitation, making copies of CPT for resale and/or license, transferring copies of CPT to any party not bound by this agreement, creating any modified or derivative work of CPT, or making any commercial use of CPT. License to sue CPT for any use not authorized herein must be obtained through the American Medical Association, CPT Intellectual Property Services, 515 N. State Street, Chicago, Illinois 60610. Applications are available at the American Medical Association Web site, www.ama-assn.org/go/cpt.

 

U.S. Government Rights

 

  • This product includes CPT which is commercial technical data and/or computer data bases and/or commercial computer software and/or commercial computer software documentation, as applicable which were developed exclusively at private expense by the American Medical Association, 515 North State Street, Chicago, Illinois, 60610. U.S. Government rights to use, modify, reproduce, release, perform, display, or disclose these technical data and/or computer data bases and/or computer software and/or computer software documentation are subject to the limited rights restrictions of DFARS 252.227-7015(b)(2) (June 1995) and/or subject to the restrictions of DFARS 227.7202-1(a) (June 1995) and DFARS 227.7202-3(a) (June 1995), as applicable for U.S. Department of Defense procurements and the limited rights restrictions of FAR 52.227-14 (June 1987) and/or subject to the restricted rights provisions of FAR 52.227-14 (June 1987) and FAR 52.227-19 (June 1987), as applicable, and any applicable agency FAR Supplements, for non-Department of Defense Federal procurements.

 

Disclaimer of Warranties and Liabilities.

 

  • CPT is provided "as is" without warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose. No fee schedules, basic unit, relative values or related listings are included in CPT. The American Medical Association (AMA) does not directly or indirectly practice medicine or dispense medical services. The responsibility for the content of this product is with Aetna, Inc. and no endorsement by the AMA is intended or implied. The AMA disclaims responsibility for any consequences or liability attributable to or related to any use, non-use, or interpretation of information contained or not contained in this product.
  • This Agreement will terminate upon notice if you violate its terms. The AMA is a third party beneficiary to this Agreement.
  • Should the foregoing terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button labeled "I Accept".
  • The information contained on this website and the products outlined here may not reflect product design or product availability in Arizona. Therefore, Arizona residents, members, employers and brokers must contact Aetna directly or their employers for information regarding Aetna products and services.
  • This information is neither an offer of coverage nor medical advice. It is only a partial, general description of plan or program benefits and does not constitute a contract. In case of a conflict between your plan documents and this information, the plan documents will govern.
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Dental clinical policy bulletins

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  • Aetna Dental Clinical Policy Bulletins (DCPBs) are developed to assist in administering plan benefits and do not constitute dental advice. Treating providers are solely responsible for dental advice and treatment of members. Members should discuss any Dental Clinical Policy Bulletin (DCPB) related to their coverage or condition with their treating provider.
  • While the Dental Clinical Policy Bulletins (DCPBs) are developed to assist in administering plan benefits, they do not constitute a description of plan benefits. The Dental Clinical Policy Bulletins (DCPBs) describe Aetna's current determinations of whether certain services or supplies are medically necessary, based upon a review of available clinical information. Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply. Aetna's conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna). Your benefits plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. If there is a discrepancy between this policy and a member's plan of benefits, the benefits plan will govern. In addition, coverage may be mandated by applicable legal requirements of a State or the Federal government.
  • Please note also that Dental Clinical Policy Bulletins (DCPBs) are regularly updated and are therefore subject to change.
  • Since Dental Clinical Policy Bulletins (DCPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies.
  • Under certain plans, if more than one service can be used to treat a covered person's dental condition, Aetna may decide to authorize coverage only for a less costly covered service provided that certain terms are met.
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Medical clinical policy bulletins

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Should the following terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button below labeled "I Accept".

 

  • Aetna Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits and do not constitute medical advice. Treating providers are solely responsible for medical advice and treatment of members. Members should discuss any Clinical Policy Bulletin (CPB) related to their coverage or condition with their treating provider.
  • While the Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits, they do not constitute a description of plan benefits. The Clinical Policy Bulletins (CPBs) express Aetna's determination of whether certain services or supplies are medically necessary, experimental, investigational, unproven, or cosmetic. Aetna has reached these conclusions based upon a review of currently available clinical information (including clinical outcome studies in the peer-reviewed published medical literature, regulatory status of the technology, evidence-based guidelines of public health and health research agencies, evidence-based guidelines and positions of leading national health professional organizations, views of physicians practicing in relevant clinical areas, and other relevant factors).
  • Aetna makes no representations and accepts no liability with respect to the content of any external information cited or relied upon in the Clinical Policy Bulletins (CPBs). The discussion, analysis, conclusions and positions reflected in the Clinical Policy Bulletins (CPBs), including any reference to a specific provider, product, process or service by name, trademark, manufacturer, constitute Aetna's opinion and are made without any intent to defame. Aetna expressly reserves the right to revise these conclusions as clinical information changes, and welcomes further relevant information including correction of any factual error.
  • CPBs include references to standard HIPAA compliant code sets to assist with search functions and to facilitate billing and payment for covered services. New and revised codes are added to the CPBs as they are updated. When billing, you must use the most appropriate code as of the effective date of the submission. Unlisted, unspecified and nonspecific codes should be avoided.
  • Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply. The conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna) for a particular member. The member's benefit plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. If there is a discrepancy between a Clinical Policy Bulletin (CPB) and a member's plan of benefits, the benefits plan will govern.
  • In addition, coverage may be mandated by applicable legal requirements of a State, the Federal government or CMS for Medicare and Medicaid members. 

See CMS's Medicare Coverage Center

 

  • Please note also that Clinical Policy Bulletins (CPBs) are regularly updated and are therefore subject to change.
  • Since Clinical Policy Bulletins (CPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies. Under certain circumstances, your physician may request a peer to peer review if they have a question or wish to discuss a medical necessity precertification determination made by our medical director in accordance with Aetna’s Clinical Policy Bulletin.
  • While Clinical Policy Bulletins (CPBs) define Aetna's clinical policy, medical necessity determinations in connection with coverage decisions are made on a case by case basis. In the event that a member disagrees with a coverage determination, Aetna provides its members with the right to appeal the decision. In addition, a member may have an opportunity for an independent external review of coverage denials based on medical necessity or regarding the experimental and investigational status when the service or supply in question for which the member is financially responsible is $500 or greater. However, applicable state mandates will take precedence with respect to fully insured plans and self-funded non-ERISA (e.g., government, school boards, church) plans.

See Aetna's External Review Program

 

  • The five character codes included in the Aetna Clinical Policy Bulletins (CPBs) are obtained from Current Procedural Terminology (CPT®), copyright 2015 by the American Medical Association (AMA). CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians.
  • The responsibility for the content of Aetna Clinical Policy Bulletins (CPBs) is with Aetna and no endorsement by the AMA is intended or should be implied. The AMA disclaims responsibility for any consequences or liability attributable or related to any use, nonuse or interpretation of information contained in Aetna Clinical Policy Bulletins (CPBs). No fee schedules, basic unit values, relative value guides, conversion factors or scales are included in any part of CPT. Any use of CPT outside of Aetna Clinical Policy Bulletins (CPBs) should refer to the most current Current Procedural Terminology which contains the complete and most current listing of CPT codes and descriptive terms. Applicable FARS/DFARS apply.

 

LICENSE FOR USE OF CURRENT PROCEDURAL TERMINOLOGY, FOURTH EDITION ("CPT®")

 

CPT only copyright 2015 American Medical Association. All Rights Reserved. CPT is a registered trademark of the American Medical Association.

 

You, your employees and agents are authorized to use CPT only as contained in Aetna Clinical Policy Bulletins (CPBs) solely for your own personal use in directly participating in healthcare programs administered by Aetna, Inc. You acknowledge that AMA holds all copyright, trademark and other rights in CPT.

 

Any use not authorized herein is prohibited, including by way of illustration and not by way of limitation, making copies of CPT for resale and/or license, transferring copies of CPT to any party not bound by this agreement, creating any modified or derivative work of CPT, or making any commercial use of CPT. License to use CPT for any use not authorized herein must be obtained through the American Medical Association, CPT Intellectual Property Services, 515 N. State Street, Chicago, Illinois 60610. Applications are available at the American Medical Association Web site, www.ama-assn.org/go/cpt.

 

Go to the American Medical Association Web site

 

U.S. Government Rights

 

This product includes CPT which is commercial technical data and/or computer data bases and/or commercial computer software and/or commercial computer software documentation, as applicable which were developed exclusively at private expense by the American Medical Association, 515 North State Street, Chicago, Illinois, 60610. U.S. Government rights to use, modify, reproduce, release, perform, display, or disclose these technical data and/or computer data bases and/or computer software and/or computer software documentation are subject to the limited rights restrictions of DFARS 252.227-7015(b)(2) (June 1995) and/or subject to the restrictions of DFARS 227.7202-1(a) (June 1995) and DFARS 227.7202-3(a) (June 1995), as applicable for U.S. Department of Defense procurements and the limited rights restrictions of FAR 52.227-14 (June 1987) and/or subject to the restricted rights provisions of FAR 52.227-14 (June 1987) and FAR 52.227-19 (June 1987), as applicable, and any applicable agency FAR Supplements, for non-Department of Defense Federal procurements.

 

Disclaimer of Warranties and Liabilities.

 

CPT is provided "as is" without warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose. No fee schedules, basic unit, relative values or related listings are included in CPT. The American Medical Association (AMA) does not directly or indirectly practice medicine or dispense medical services. The responsibility for the content of this product is with Aetna, Inc. and no endorsement by the AMA is intended or implied. The AMA disclaims responsibility for any consequences or liability attributable to or related to any use, non-use, or interpretation of information contained or not contained in this product.

 

This Agreement will terminate upon notice if you violate its terms. The AMA is a third party beneficiary to this Agreement.

 

Should the foregoing terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button labeled "I Accept".

 

The information contained on this website and the products outlined here may not reflect product design or product availability in Arizona. Therefore, Arizona residents, members, employers and brokers must contact Aetna directly or their employers for information regarding Aetna products and services.

 

This information is neither an offer of coverage nor medical advice. It is only a partial, general description of plan or program benefits and does not constitute a contract. In case of a conflict between your plan documents and this information, the plan documents will govern.

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