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HumanaOne - Individual Vision Plans


Sign up for Humana Individual Vision

Vision Plan

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Humana's individual vision insurance plan can help you save money on eye exams, eyeglass lenses and frames, and contacts. It also offers substantial discounts on LASIK and cosmetic extras. Here are more of the plan's features:

  • Low exam copayments
  • Eyeglass lenses are covered 100% after materials copayment
  • $40 wholesale allowance for frames
  • Medically necessary contact lenses are covered 100% after materials copayment
  • $115 allowance for elective contact lenses
  • Discounts on LASIK/PRK and second pair of glasses
  • One eye exam per year

The Humana Vision Plan can be added to your medical plan and is also available for individuals and families on a standalone basis. There is no underwriting, which means you will not be disqualified for pre-existing conditions. It only takes a minute to sign up online. Once you're enrolled, you only pay $10 copayment for your annual examination and can visit any eye doctor in the VCP Network.

How It Works

  • First, sign up for coverage.
  • Find a participating vision provide located near your home or office by visiting Humana's Vision Finder.
  • When you see a Humana participating provider, you'll receive immediate benefits including:
    • Low exam copayments
    • Eyeglass lenses are covered 100 percent after materials copayment
    • $40 wholesale allowance for frames
    • Medically necessary contact lenses are covered 100% after materials copayment
    • $115 allowance for elective contact lenses
    • Discounts on LASIK/PRK and second pair of glasses
    • One eye exam per year
  • You pay only the fees listed on the schedule of benefits PDF icon.

Cost Scenario

How much will you save with a Humana vision plan? Take a look at what some common procedures can cost without insurance:

  • Eye Exam: $90
  • Frames: $90
  • Sigle vision lenses: $70
  • Total Cost: $280

Your cost with a Humana vision plan, here are your costs for the same services:

  • Eye Exam: $10 co-payment
  • Frames: $0
  • Sigle vision lenses: $25 co-payment
  • Total Cost: $35

You can save up to $245 with the HumanaOne Vision Care Plan

Summary of Benefits

Vison Services Benefit
Vision Exam $10 copayment
Lenses $25 copayment
Frames $40 wholesale allowance
Second pair of eyeglasses You get 20% off
Exam Frequency Once every 12 months
Frame Frequency Once every 24 months
Contact Lens Allowance $115 retail allowance
Lenses or Contact Lens Frequency Once every 12 months
View a list of procedure prices PDF icon

Vision Plan Rates

Fee Price
One-Time Enrollment Fee $35.00 (total)
The fee for both 1 person or 4 persons is $35.
Monthly Premium (1 person) $13.99
Monthly Association Fee (PBA) $0.75
Monthly Admin Fee
(Included in rates above, waived if you pay yearly)
$1.00
Total Monthly Payment $15.74

How does Wholesale Frame Allowance Work?

Benefits include a wholesale frame allowance. If the wholesale cost exceeds the frame allowance, members pay twice the wholesale difference. They never pay full retail.

Retail Price Wholesale Price Wholesale Allowance Member Pays Savings
$80-$120 $40 $40 $0 $80-$120
$140-$210 $70 $40 $60
($70-$40=$30 x 2=$60)
$80-$150

Lasik and PRK Procedures

Members receive substantial reductions when procedures are done by network providers. Members can expect to pay no more than $1,800 per eye for conventional Lasik procedures and $2,300 per eye for custom Lasik from network providers. Members also receive benefits on services performed by preferred TLC Select Lasik Plan providers at the following fixed prices:.

Lasik Package Cost
Silver Package $895 per eye for Conventional Lasik
Gold Package $1,295 per eye for CustomLasik, TLC Lifetime Commitment can be purchased for $200 per eye
Platinum Package $1,895 per eye for CustomLasik plus Bladeless Lasik (using IntraLase technology). Includes the TLC Lifetime Commitment. PRK is available on this package only

Effective Dates


Vision effective dates are calculated as follows:

  • If application is received between the 1st and 15th of the month, the policy effective date will be the 1st of the following month. 1. Example: Application received on May 10th will have an effective date of June 1st.
  • If application is received between the 16th and end of the month, the policy effective date will be the 1st of the 2nd following month (the month after the following month). 1. Example: Application received May 18th for processing will have a policy effective date of July 1st.

Payment Options

Payment options include monthly and annual bank draft, monthly and annual credit card payments (Visa and Mastercard), and monthly and annual bills.

People's Benefit Alliance Membership

Membership in the People's Benefit Alliance (PBA) is required at additional cost (your $0.75 association fee covers this) in order to be eligible to apply for this plan. With your membership, you will receive discounts on health, travel, consumer, and business-related services, such as:

  • Fitness Programs- Puts benefits for healthier living within reach for you and your family
  • Vitamin Discounts- Offers discounts on an extensive selection of vitamins
  • Car Rental Discounts- Get great deals on car rentals

The association is a membership organization that provides educational information and discounts on goods and services to its members.