How to Use Your Vision Insurance for Out-of-Network Eyewear

Your Expert Guide to Getting Reimbursed for Our Frames

One of our most common questions is: "Can I use my vision insurance at Choice Eyewear?" The simple answer is yes, most people can!

While we are not "in-network" with insurance providers, we make it simple for you to get reimbursed for your purchase.

As an independent, SF-based small business with over 20 years of experience, we've made a deliberate choice to operate this way. Here’s why it’s a huge benefit for you.

Our Commitment to Transparency & Value

Why aren't we "in-network"? Simple: it allows us to give you more freedom and better value.

• No Markups: Insurance companies often require retailers to inflate prices. By staying independent, we can offer you our curated, hand-picked frames at a fair, transparent price without any hidden fees.

• More Freedom: We aren't restricted by what insurance will cover. This means we can offer you a wider, more unique collection of frames and premium lenses.

• No Red Tape: We can focus on what we do best: providing expert service and high-quality eyewear, not navigating insurance bureaucracy.

The 3-Step Guide to Getting Reimbursed

If your plan includes "Out-of-Network" (OON) benefits—which most PPO plans do—you can easily submit a claim for reimbursement.

Step 1: Place Your Order

• Purchase your new glasses on our site. Every frame includes free, high-quality clear single-vision lenses. At the end, you will receive an order confirmation email.

Step 2: Get Your Itemized Receipt

• This is the most important document. Your order confirmation email will work in most cases, but if your provider needs a more detailed, itemized receipt (with our business info, lens types, etc.), our expert team is here to help. Just contact us, and we will provide one for you immediately.

Step 3: Submit Your Claim Form

• Fill out your insurance provider's "Out-of-Network Claim Form," which is almost always on their website. You'll attach our itemized receipt and submit it. Most providers let you do this online, and it's fast.

🔗 Quick Access: Major Insurance Claim Forms

To save you time, we've gathered the direct links to the Out-of-Network claim forms for the most common vision plans. Simply click on your provider to go directly to their form page.

Pro Tip: For the fastest reimbursement, most providers prefer or require you to submit your claim online through your member portal!

Your Top Questions, Answered by Our Experts

• How Much Will I Get Back? This depends entirely on your plan's OON allowance. We've seen customers get anywhere from $30 to $150 back. The best way to know is to call your provider and ask, "What is my out-of-network reimbursement for prescription eyeglasses?"

• How Long Does the Reimbursement Take? Once your claim is received, it usually takes your insurance provider 2 to 4 weeks to process and mail your reimbursement check. Check your member portal for the most accurate status updates. 

• What Do I Put for "Provider Name"? You will list "Choice Eyewear" and note that we are an "Online Retailer." If the form asks for an address, please use our business address: 745 Portola Drive, San Francisco, CA 94127

• Does This Work for HSA/FSA, Too? Absolutely! You can use your HSA/FSA card directly on our site as a primary payment method. Read our full HSA/FSA guide here

The Bottom Line: You Have a Choice

We believe that being a compassionate, independent small business is the best way to serve you. It allows us to offer transparent pricing and true expert support.

Submitting an out-of-network claim is an extra step, but it often helps you save even more.