Warby Parker accepts most major vision insurances. They also allow the use of Flexible Spending Accounts (FSA) and/or a Health Savings Account (HSA) as long as they are associated with a major credit card.

What Vision Insurance Does Warby Parker Accept?

The good news is that Warby Parker accepts most major vision insurances to make sure that their eyewear is accessible and affordable to as many people as possible.

Their list of Warby Parker’s accepted vision insurance providers are:

  • United Healthcare
  • Davis Vision
  • VSP
  • Guardian Vision
  • Cigna
  • Aetna
  • Spectera
  • BlueCross BlueShield FEP Vision
  • Care First
  • EyeMed
  • Humana
  • Anthem BlueCross BlueShield
  • NVA

What if Warby Parker Won’t Take My Insurance?

Warby Parker suggests that if your vision insurance doesn’t appear on their list of accepted providers to directly contact your provider. Most companies, such as MetLife, will have an option to apply for reimbursement or similar.

This means that you may have to pay for your new eyewear and any exams out of pocket first and then send your invoice or receipt in with your claim.

Once your insurance has had time to look over the details, they might issue a refund of some kind. This isn’t guaranteed, but it is always worth a shot.

If for some reason your vision insurance does not even want to reimburse you for something, you will have to cover the cost of everything yourself out of pocket.

Does Warby Parker Accept FSAs and HSAs?

Unfortunately, vision insurance isn’t always accessible. It’s usually an additional cost to add to already existing insurance, which can be a pain or impossible to get depending on several factors.

Thankfully, Warby Parker will accept FSA and HSA accounts as long as these are associated with a major credit card. So, if you don’t have proper vision insurance but you do have one of these accounts, you can still use them to get eyewear and/or eye exams with Warby Parker.

What Does Vision Insurance Cover for Warby Parker?

Most vision insurance covers the same things, but they will likely differ on how much towards these things they are willing to pay or reimburse.

Additionally, some providers have a limit on how often someone can get new eyewear or take eye exams. Be sure to check with your provider directly to know exactly how much they will cover.

These are the things that vision insurances will cover some or all of the cost of when getting them with Warby Parker:

  • Prescription Eyeglasses
  • Prescription Sunglasses
  • Contact Lenses
  • Eye Exams

How Much Does Vison Insurance Cover for Warby Parker Eyewear?

It all depends on what exactly individual plans are willing to pay for. On average, vision insurance helps patients save about $100USD on their prescription glasses.

Check with your provider to find out exactly how much, and if they also cover prescription sunglasses, contact lenses, and the eye exam. Some insurance providers will only cover glasses and not contact lenses for example.

Some might also limit how often someone is allowed to get eye exams or new lenses. Just be sure to be aware of this if you have certain health conditions that might require more than the usual annual visit.

My Vision Insurance Doesn’t Cover Enough for Warby Parker, What Can I Do?

Some vision insurances are not all that great. Any little bit helps, but sometimes it’s not enough. Perhaps they only cover eye exams but not the frames, or maybe they only cover glasses and you need contacts.

Or worse yet, some providers only allow annual eye exams and new glasses every two years. So, if you have certain health conditions requiring more frequent visits, changes to your prescription, or break something and can’t fix it yourself with a repair kit, you’re out of luck.

Thankfully, there are options to consider looking into to help ease the financial burden and get yourself into some Warby Parkers.

Check Out National Programs

People need to be able to see. However, since health insurance doesn’t usually cover vision too, some people are forced to go with too little if any vision coverage.

That’s why some national programs exist at least in the US to help Americans get eye exams and eyewear. Some will even help children get into a good pair too!

This isn’t an exhaustive list, but here are a handful of programs that can help you get eyewear for little to no cost:

  • EyeCare America
  • Vision USA
  • Lions Club International
  • New Eyes
  • OneSight’s OnSite Voucher Program
  • Gift of Sight
  • InfantSEE
  • VSP Global Sight for Students
  • Medicaid
  • Children’s Health Insurance Program (CHIP)

Go Somewhere Else for the Eye Exams

Most places, Warby Parker included, don’t necessarily need to perform their own eye exams. As long as you have a valid prescription, you can get your eyewear.

Going to someplace else for the exams where your vision insurance covers and then going to Warby Parker with the prescription can help you save a little bit of money.

Worst case situation is to go to an Optometry school and get your exams done there where it will be significantly cheaper overall. Plus, you’d also be helping people get their experience needed to graduate, so it’s a win/win.

Look into CareCredit

CareCredit, as well as similar services, is essentially a credit card for medical use only. This can range anywhere from general doctor, dental, veterinary, or even vision.

It might take a minute to get approved for one of their cards, but it’s definitely worth a shot. Then you can pay it off in installments just like a regular credit card. They also offer no interest if paid off within a few months, making it a better card for these sorts of expenses than a regular one.