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Top Vision Insurance Providers In Missouri

Last modified: Jul 25, 2023

We have insurance for just about everything we own these days, including our health. But when it comes to our eye health, few ever think about the importance of vision insurance. So, for those considering getting vision insurance in Missouri, here, we will take a closer look at the best vision insurance plans Missouri has to offer. Regular checkups of your vision are important but if you are thinking of protecting your overall health - make sure to check our list of the best health insurance providers in the US.

We have chosen the best vision insurance providers in the “Show-Me State” for their quality coverage, coverage options, low premiums, excellent customer service, and user ratings. So, without any further ado, let’s jump into it.

How Does Missouri Vision Insurance Work?

Eye insurance in Missouri works the same way as it does in any other state. However, in order to get the best possible coverage, you first need to know how vision insurance works.

Users get to choose between the basic vision insurance plan, which covers the basics, and premium vision insurance plans, which offer more comprehensive coverage.

The type of coverage and the costs of basic and premium vision insurance plans may vary depending on the insurer. Typically, vision insurance offers a network of nationwide participating providers. However, some providers also offer out-of-network benefits. In addition, it’s important to note that the plans don’t necessarily replace medical coverage for eye injury or disease.

If you opt for an individual plan, you’ll send the vision insurer the check for the premium. If you have an employer-sponsored plan, your premium will be deducted from your paycheck. In exchange for those monthly payments, you’ll get to enjoy discounted rates for eye exams, prescription eyewear, and contacts. 

Vision insurance can also be part of health insurance, but only to some extent. Usually, it offers coverage only for children. The vision coverage provided by a health insurance plan includes the cost of eye disease or eye injury. If you want full-service vision insurance coverage, you will have to invest in a stand-alone vision insurance policy, even if you already own a health insurance plan. 

What’s Not Covered by Vision Insurance in Missouri?

So, now that we have a good idea of what vision insurance covers, it’s time to take a look at what it doesn’t cover.

When it comes to vision insurance plans, they don’t offer coverage for any part of the eye exam classified as medical. So, for example, a vision plan won’t cover eye infections, eye allergies, eye disease, floaters, vision loss, and eye exams for complications from diabetes. 

Some vision insurance plans may also not cover contact lens fittings or annual contact lens evaluations. In addition, vision insurance typically doesn’t cover laser eye surgeries, such as LASIK.

Best Vision Insurance in Missouri — Our Top List

The good news is that due to the growing awareness of vision coverage, there are many providers offering vision plans in Missouri. While that’s a good thing, it may also make it difficult for some folks to find the right vision insurance for their specific needs. 

If you are looking to purchase the best Missouri vision care, we have made a list of the providers where you can get all the coverage you need, whether it’s an eye checkup or prescription eyewear. 


VSP is undoubtedly one of the most well-known providers of vision insurance in the US. Not only are their vision plans extremely affordable, but they are also the most comprehensive you will find when it comes to vision coverage. 

Starting at just $13 per month, you can get yourself a legit vision insurance plan from VSP, which also comes with a few other perks. For instance, users get to take advantage of a large network of service providers and nationwide coverage. Other benefits include flexible payment options, special discounts, and excellent customer support. 

This is, by far, one of the best options if you are looking for an affordable vision insurance plan.

Anthem Blue Cross Blue Shield

Anthem is another great vision insurance in Missouri. It covers eyeglasses and eye exams along with lenses and frames. In addition, Anthem provides a few Medicare Advantage plans plus supplemental plans, including vision plans. 

The provider offers four plans, one of which requires you to bundle with a medical plan or dental insurance. 

PlanStarting Price
Individual Plan$12
2-Person Plan$22
Family Plan$35

You also get a discount for LASIK and an allowance of up to $150 for eyeglass frames. 

However, there are no stand-alone vision plans at Anthem at this time. The vision plan is available as a rider with their medical and dental plans.


DeltaVision offers vision plans in collaboration with EyeMed Vision Care. Those who invest in their vision insurance plan can access the best optical retailers and independent providers in the country, including the best opticians, optometrists, and ophthalmologists. 

With a DeltaVision eye plan, you can save up to 70% off the retail price of regular eye exams and glasses at the in-network eye doctors. DeltaVision also partners with top independent providers, ensuring you get the best eye care at affordable rates.


If you’re searching for the least complicated vision insurance in Missouri, then you can’t go wrong with Humana. Their vision insurance policies are pretty straightforward and come with low premiums, which is the highlight of their vision insurance plans. You also get annual allowances of $150 for eyewear and a yearly eye exam for a copay of just $15. 

Since Humana is on the EyeMed network, you get access to a large chain of superstores and high-street chains from where you can get your eyewear or lenses. This is one of the best options if you want a stand-alone vision insurance policy for yourself or your entire family.


EyeMed offers both personal and employer-sponsored vision plans in Missouri. You also get three different levels of coverage and low-cost plans that start at just $5 a month. In addition, there is a huge network of providers, along with special discounts on extra or non-prescription sunglasses if you go with an in-network provider. 

You also get to enjoy many other benefits, such as full coverage if you break your glasses while traveling abroad. Apart from that, with EyeMed membership, you’ll get discounts on LASIK.

United Healthcare

This is another famous vision insurance in Missouri. Their vision plans are simple, with no maximum age limit or waiting period. You also get access to multiple in-network providers. In addition, in-network eye exams cost a copay of just $10.

The vision insurance covers annual eye exams, contact lenses, eyeglasses and frames. However, it doesn’t include vision therapy or the replacement of broken or damaged eyeglass frames or contact lenses.

How to Find Affordable Vision Insurance Plans in Missouri?

While the average cost of an eye exam may vary depending on which state you live in, you still need to make sure you get the best bang for your buck while choosing vision insurance in Missouri. The best way to do so is to shop around and compare multiple vision insurance providers.

Before you make a choice, it’s best to find out everything there is to know about what’s covered in the eye plan and what’s not, along with the premiums, payments, and discounts, especially if you’re looking to get vision insurance for your family.

Final Thoughts

Our article about vision insurance in Missouri is a great place to start if you don’t know much about vision insurance and want to get the best possible coverage. For more details, it’s always best to contact the insurance provider to understand what you’re getting into before you sign up for a vision insurance plan.


What Does Vision Insurance Typically Include?

Vision plans include coverage for an annual eye exam and prescription eyewear and lenses.

What Does Vision Insurance Typically Exclude?

Typically, vision insurance excludes eye surgery (e.g., LASIK) or costs related to eye injuries. However, some providers may provide discounts for LASIK.

Is Paying for Vision Insurance Worth It?

Paying for vision insurance is worth it, especially because eye care is not something that’s covered by traditional health insurance, which is why you need a stand-alone vision insurance plan.

Are Contact Lenses Covered by Vision Insurance?

Yes, contact lenses are normally covered under vision insurance. However, you will still need to find out the details from the insurance provider you choose.

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