What Insurance Does Costco Optical Take? (2024)

What Insurance Does Costco Optical Take? (1)

Costco Optical is a popular choice for individuals seeking quality eyecare services and a diverse range of eyewear. As part of the Costco warehouse club, Costco Optical aims to provide accessible vision care to its members. Understanding the insurance coverage accepted at Costco Optical is crucial for members looking to make the most of their benefits. In this guide, we will explore the types of insurance Costco Optical typically accepts, helping you navigate the process with ease.

Accepted Vision Insurance Plans:

Costco Optical generally accepts a wide range of vision insurance plans, making it convenient for members to access affordable eyecare services. Common vision insurance providers like VSP (Vision Service Plan), EyeMed, and Davis Vision are often accepted at Costco Optical locations. These providers offer various plans with different coverage levels, so it’s advisable to check the details of your specific plan to understand the scope of coverage at Costco Optical.

Major Medical Insurance:

In addition to dedicated vision insurance plans, Costco Optical may also accept major medical insurance that includes coverage for eyecare services. Some major medical insurance plans provide benefits for routine eye exams, prescription eyeglasses, and contact lenses. It’s essential to verify with your major medical insurance provider to confirm the extent of your coverage at Costco Optical.

Out-of-Network Benefits:

Even if Costco Optical is not directly affiliated with your vision insurance provider, many plans offer out-of-network benefits. This means you may still be able to receive coverage for eyecare services at Costco Optical, albeit with potentially different reimbursem*nt rates. Contact your insurance provider to inquire about out-of-network benefits and the process for submitting claims for services received at Costco Optical.

Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs):

Costco Optical often accepts payment through Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs). These accounts allow members to set aside pre-tax dollars for qualified medical expenses, including eyecare services and prescription eyewear. Utilizing FSAs or HSAs at Costco Optical provides members with a tax-advantaged way to cover their vision care expenses.

Steps to Verify Insurance Coverage:

Contact Your Insurance Provider: Reach out to your vision insurance or major medical insurance provider to confirm whether Costco Optical is an in-network provider. Obtain details about your coverage, including copayments, deductibles, and any limitations on services.

Check Out-of-Network Benefits: If Costco Optical is not in-network with your insurance provider, inquire about out-of-network benefits. Understand the reimbursem*nt process and any documentation required to submit a claim for eyecare services.

Verify FSA/HSA Eligibility: If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), confirm that Costco Optical accepts payments through these accounts. This ensures you can use pre-tax dollars for your eyecare expenses.


Costco Optical’s commitment to providing affordable and quality eyecare services extends to its acceptance of various insurance plans. By understanding your insurance coverage and verifying details with your provider, you can navigate the process seamlessly and make informed decisions about your eyecare needs at Costco Optical. Whether you have vision insurance, major medical coverage, or utilize FSAs and HSAs, Costco Optical strives to accommodate a range of insurance options for its members’ convenience.

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What Insurance Does Costco Optical Take? (2024)


Does Costco lenses take insurance? ›

DOES COSTCO ACCEPT VISION INSURANCE? Unfortunately, Costco.com does not accept vision insurance; however, vision insurance may be accepted within the Optical Department in your local Costco Warehouse. You may also contact your insurance provider to inquire about possible reimbursem*nt for your online purchase.

Is Costco Optical out of network for VSP? ›

VSP's Choice network is made up of independent optometrists and ophthalmologists, as well as many national retailers. Retail options include Costco Optical, and Eye Care Centers of America locations such as Vision Works.

Can I use EyeMed at Costco? ›

If you use a Costco, Wal-Mart or other non-network provider, you will need to pay the entire bill at the time services are provided and submit a completed claim form to EyeMed Vision Care. For services at all Costco and Wal-Mart optical locations, you'll receive reimbursem*nts equivalent to in-network benefits.

How does optical work at Costco? ›

Yes, you need to be a member to purchase glasses or contacts at Costco Optical centers. However, you do not need to be a member to make an appointment with our in-house optometrist. For more information, visit our dedicated optical site here. Or, locate your local optical center at a Costco warehouse location near you.

What insurance does Costco use? ›

Auto and homeowners insurance policies offered at Costco are underwritten by CONNECT by American Family, while life insurance policies are handled by Protective Life.

What is Costco's policy on eyeglasses? ›

Costco has a 100% member satisfaction guarantee. If the prescription eyeglasses are unsatisfactory for any reason, you may return them to the Optical Department in your local Costco Warehouse for a repair, replacement, or refund.

What are the benefits of buying glasses from Costco? ›

1. Costco Optical accepts most major vision insurance plans. You'll often hear that it's a good idea to buy your glasses at Costco or get your eyes checked there if you don't have insurance, because you might get to spare more cash for your savings account compared to going elsewhere.

Does Costco membership include an eye exam? ›

However, please keep in mind that while you do not need a Costco membership to see an independent doctor of optometry located in or near most Costco warehouses, only members can purchase optical items including glasses and contacts from Costco (just another reason to join!).

Can I use VSP and EyeMed at the same time? ›

Many private doctors will take both VSP and EyeMed to offset the cost of services. Certain doctors will cost less through your plan if they are considered in-network. Out-of-network providers are either not covered or will result in more out-of-pocket expenses.

Is Costco or LensCrafters better? ›

Consider Quality. While Costco is generally less expensive than LensCrafters, consider that higher pricing often accompanies higher quality. If you're at a stage in your life when your prescription is still changing, you might lean toward a cheaper pair of frames — you'll just have to replace them in a year, anyway.

How long does it take to get glasses from Costco Optical? ›

It takes 5–7 business days from the time you order them. You can get your prescription and order your glasses all in the same day.

Will Costco adjust glasses for free? ›

You should also know that if your glasses arrive and don't fit as well as you'd like them to, Costco will adjust your frames for free. And here's something cool -- it will do the same for non-Costco frames if you're a member.

How much does Costco charge to put lenses in frames? ›

Costco's Policy on Frames and Lenses

One thing that is consistent at all Costco's is that they are not happy about replacing lenses in your own frame. Especially if you didn't buy them there. Furthermore, they will charge you an additional $25 per pair for the inconvenience.

Does Costco Optical accept Guardian insurance? ›

Option 1: Significant out-of-pocket savings available with your Full Feature plan by visiting one of Guardian's Vision's network locations including retail centers such as Wal-Mart®, JCPenney®, Sears®, Target®, Sam's Club®, Costco®, Pearle®, America's Best®, For Eyes® and Visionworks®.

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