Does Insurance Cover Designer Frames?
Designer frames from brands like Cartier, Jacques Marie Mage and Dita cost more than most vision plans fully cover. But insurance, FSA and HSA funds can still take a real bite out of the price. Here's how it usually works. Every plan is different, so always check your own benefits.
How Vision Insurance Usually Works
Most vision plans give you a frame allowance and lens coverage, usually once every 12 or 24 months. You get the most value at in-network providers. When you buy somewhere that's out of network, many plans still reimburse part of the cost; you pay up front and submit a claim.
Luxury retailers like My Eye Gems are usually out of network for vision plans. You can still often use your out-of-network benefits. We explain how this works for one large plan in does VSP vision insurance cover Cartier glasses.
Out-of-Network Reimbursement, Step by Step
- Check your plan. Look for out-of-network reimbursement amounts for frames and lenses, and how often you can use them.
- Buy your frames and prescription lenses. Keep your itemized receipt.
- Submit a claim through your insurer's website or claim form, with your receipt and prescription if asked.
- Get reimbursed up to your plan's out-of-network limits.
Out-of-network amounts are often lower than in-network allowances, so treat them as a discount rather than full coverage.
FSA and HSA
Prescription eyewear is generally an eligible expense for Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA). That usually includes prescription glasses and prescription sunglasses. Non-prescription sunglasses are usually not eligible. We accept FSA and HSA cards. Read more in can you buy Cartier glasses with an HSA.
Pay Over Time
If you want to spread out the cost, you can pay over time with Klarna at checkout, subject to approval.
What to Keep for Your Records
| Document | Why you need it |
|---|---|
| Itemized receipt | Shows frame and lens costs separately for claims |
| Copy of your prescription | Some insurers and FSA/HSA administrators ask for it |
| Proof of payment | Needed for out-of-network claims |
Which Frames Can You Use It On?
Any frame we fit with prescription lenses can be used with your out-of-network benefits or FSA/HSA, subject to your plan. Browse Cartier prescription glasses, Jacques Marie Mage prescription glasses, Dita prescription glasses, or every brand in our luxury prescription glasses guide. Prescription sunglasses count too; see prescription lenses in designer sunglasses.
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FAQ
Does vision insurance cover designer frames?
Partly, in many cases. Plans usually give a set frame allowance. In-network allowances are higher; out-of-network purchases often get partial reimbursement.
Can I use my insurance at My Eye Gems?
We're usually out of network for vision plans, but many plans reimburse out-of-network purchases. Check your plan, keep your itemized receipt and submit a claim.
Can I use FSA or HSA for designer prescription glasses?
Generally yes, for prescription eyewear. Check with your plan administrator for specifics.
Can I use FSA or HSA for prescription sunglasses?
Prescription sunglasses are generally eligible. Non-prescription sunglasses usually are not.
