Save Hundreds on Glasses: Why Out-of-Network Beats In-Network Insurance
If you have vision insurance, you've probably been told to always shop "in-network." It sounds logical—after all, that's how you're supposed to get the best deal.
But here's what most people don't realize: Buying prescription glasses in-network often ends up costing you more out-of-pocket than going out of network.
In this guide, we’ll explain the in-network trap, break down hidden costs, and show exactly how choosing an out-of-network provider like VionGlasses can help you get better quality glasses for less — sometimes close to zero after reimbursement.
The In-Network Pricing Trap Most People Fall Into
When an optical store joins an insurance network, they agree to accept a fixed allowance — often around $150 for frames. To protect their profits, many retailers inflate their base prices upfront. They also factor in high rent, sales commissions, and network fees, which ultimately get passed on to you.
That’s why a basic acetate frame at a traditional store can list for $300–$400. After your “insurance discount,” you may still pay $200 or more out of pocket.
What feels like a savings is often just clever pricing psychology.
Hidden Lens Upgrade Costs That Add Up Fast
The biggest shock usually comes with the lenses. In-network stores commonly charge extra for features most people actually need:
- Thin high-index lenses (essential for stronger prescriptions)
- Blue light protection
- Premium anti-reflective and scratch-resistant coatings
These upgrades are rarely fully covered by insurance and can easily add $150–$300 to your bill. As a result, even with vision insurance, many customers end up spending $350-$600+ for a single pair of glasses.
In-Network vs Out-of-Network Glasses: Side-by-Side Comparison
| Aspect | In-Network (Traditional Stores) |
Out-of-Network (VionGlasses) |
|---|---|---|
| Frame Pricing | Inflated base price ($300–$400) | Transparent pricing — everything under $150 (for 1.60 high-index) |
| Lens Upgrades | Extra charges for high-index, blue light, AR | Thin high-index (1.60/1.67/1.74), blue light & premium coatings included |
| Total Cost Before Insurance | $350–$700+ | Under $150 with all premium features |
| Reimbursement | Easier direct billing, but limited value | Submit receipt for out-of-network reimbursement |
| Net Cost After Reimbursement | Often $200–$400+ | Frequently $0–$100 (plan-dependent) |
Bottom line: Out-of-network often delivers superior lenses and frames at a lower real cost.
Why Buying Glasses Out of Network Makes Sense
When you buy glasses out of network, you're no longer tied to inflated retail pricing. Out-of-network providers don't pay insurance network fees, which means they don't need to artificially raise prices.
At VionGlasses, we keep things simple.
What You Get with VionGlasses
- Lightweight Korean-made frames
- Thin high-index lenses (1.60, 1.67, or 1.74), tailored to your prescription
- Blue light protection
- Premium multi-layer lens coatings
- Free worldwide shipping & duties
All of this comes included for under $150 (for 1.60 high-index lenses) — no surprise add-ons and no luxury markup.
How Vision Insurance Reimbursement Works
Even if a provider is out of network, most vision plans—including VSP and EyeMed—offer out-of-network reimbursement benefits.
Here's how it typically works:
- Purchase your glasses from VionGlasses
- Submit your itemized receipt to your insurance provider online
- Your insurance company reimburses you based on your plan's out-of-network coverage
Typical reimbursement examples (varies by specific plan):
- Frames: Up to $75–$150
- Lenses (including upgrades): Up to $40–$90
- Many customers report net cost near zero after reimbursement when choosing transparent out-of-network pricing.
Note: You usually have up to 12 months to submit claims. Always check your specific plan details by logging into your insurance account.
Frequently Asked Questions About Buying Glasses Out of Network
| Q: Can I use my vision insurance with VionGlasses? |
|
A: VionGlasses is an out-of-network eyewear provider. While we don't bill insurance directly, most vision plans allow you to submit a claim for out-of-network reimbursement. Simply purchase your glasses, then upload your itemized receipt to your insurance provider. Reimbursement amounts vary depending on your plan. |
| Q: How much can I get reimbursed for out-of-network glasses? |
|
A: Out-of-network reimbursement amounts vary by insurance provider and individual plan. Typical allowances include $75–$150 for frames and additional amounts for lenses. Your insurance company will determine the exact reimbursement after you submit your claim. |
| Q: What do I need to submit for vision insurance reimbursement? |
|
A: Most insurance companies require:
VionGlasses provides a detailed receipt to help make the process simple. |
| Q: How long does insurance reimbursement take? |
|
A: Processing times depend on your insurance provider. Most reimbursements are completed within a few weeks after submission. |
| Q: Is buying glasses out of network really cheaper? |
|
A: In many cases, yes. Traditional in-network optical stores often charge high base prices and additional fees for lens upgrades. By choosing an out-of-network provider with transparent pricing, many customers reduce their total eyewear cost significantly—especially after insurance reimbursement. |
Real Savings: Stop Overpaying for Prescription Glasses
The in-network system relies on customers thinking they have no better options. But filing an out-of-network claim usually takes just a few minutes and can save you hundreds of dollars.
With VionGlasses, you get modern Korean eyewear design, premium thin lenses, and full features — all while maximizing your insurance reimbursement.
Our customers have already switched and now enjoy better-looking, lighter, and clearer glasses without the traditional retail markup.
Ready to save hundreds on your next pair of glasses? Shop out-of-network prescription glasses now and experience the difference.
