On this page14 sections
- Ratings and complaints
- Humana vs. competitors
- Pricing
- Step by step
- Humana vision insurance plans and cost
- Humana's vision network: PLUS vs. regular providers
- Humana vision insurance legitimacy and licensing
- Humana vision insurance value for the price
- Enrollment fee, contract and cancellation
- Complaints and what customers report
- What Humana Vision PLUS does not cover
- What customers say
- Alternatives
- FAQ
Humana Vision PLUS is a good value if you can use a PLUS provider, where the exam is $0 and the frame allowance is $250, and Humana advertises coverage from $12 a month. It is a legitimate individual vision plan insured by a Humana subsidiary and built on the EyeMed Insight network, which includes LensCrafters, Pearle Vision and Target Optical. Before you enroll, ask about the one-time enrollment fee and the minimum one-year contract Humana says may apply, and check your state, since Humana's available-state list leaves out Alaska, Montana, Oregon, Rhode Island, Vermont and Washington.
- Starting price
- From $12 a month (Humana's example for one person on Vision PLUS in Maine, as listed October 2026)4
- Fees and contract
- A one-time, non-refundable enrollment fee may apply, and dental and vision plans may have a minimum one-year initial contract4
- Eye exam
- $0 at PLUS providers, $10 at other network providers, $30 allowance out of network; one every 12 months2
- Frames
- $250 allowance at PLUS providers, $200 at other network providers and out of network; 20% off the balance in network3
- Lenses and contacts
- $10 copay for standard single vision, bifocal or trifocal lenses; $200 contact allowance in network, $92 out of network2
- Network
- EyeMed Insight network, with more than 214,000 access points per Humana's plan summary, including LensCrafters, Pearle Vision and Target Optical3
- Waiting period
- None; Humana says most plans are ready to use in 5 to 7 days1
- Insurer
- Humana Insurance Company in the Minnesota plan summary; other Humana subsidiaries insure plans in some states3
Pros
- $0 eye exam and $250 frame allowance at PLUS providers
- No waiting period for exams or eyewear
- Large EyeMed Insight network that includes LensCrafters, Pearle Vision and Target Optical
- Out-of-network allowances for exams, frames, lenses and contacts
- Up to 15% off LASIK or PRK and 40% off a second pair of glasses (discounts, not insurance)
Cons
- A one-time, non-refundable enrollment fee may apply
- Plans may carry a minimum one-year contract
- Not offered in Alaska, Montana, Oregon, Rhode Island, Vermont or Washington, per Humana's state list
- Standard progressive lenses add a $65 copay
- Prices require a state and age quote
Best for: Individuals who can use a PLUS provider such as LensCrafters, Pearle Vision or Target Optical and want a $0 exam and $250 toward frames each year.
Skip it if: You want to cancel at any time without a contract, or you live in a state Humana does not list as available.
Humana vs. competitors
| Company | Starting price | Exam copay | Frame allowance | Network |
|---|---|---|---|---|
| Humana Vision PLUS | From $12 a month (Maine example); enrollment fee may apply | $0 at PLUS providers, $10 at other network providers | $250 at PLUS providers, $200 elsewhere | EyeMed Insight network |
| Aetna Vision Preferred Direct | From $11 a month | $10 to $20 | $130 to $200 | Aetna Vision network run through EyeMed |
| VSP Individual Vision Plans | $12 to $35 a month, typical pricing by plan | $15 (no exam on EyewearOnly) | $150, or $230 with the EasyOptions upgrade; $120 on EyewearOnly | VSP, 44,000+ doctors; Walmart in network, Costco out |
| Guardian individual vision | From $12 a month (Florida example) | $15 | $150 to $225 | VSP (Guardian sells, VSP insures) |
Humana pricing at a glance
Humana Vision PLUS benefits, as listed October 20262
| Benefit | PLUS provider | Other network provider | Out of network |
|---|---|---|---|
| Eye exam | $0 copay | $10 copay | $30 allowance |
| Frames | $250 allowance | $200 allowance | $200 allowance |
| Single vision lenses | $10 copay | $10 copay | $25 allowance |
| Bifocal lenses | $10 copay | $10 copay | $40 allowance |
| Standard progressive lenses | $65 copay | $65 copay | $65 allowance |
| Contacts (instead of glasses) | $200 allowance | $200 allowance | $92 allowance |
| Retinal imaging | $39 | $39 | Not covered |
Coverage starts at $12 a month in Humana's Maine example; your premium depends on your state and age. A one-time non-refundable enrollment fee may apply. Lens and progressive figures come from Humana's Minnesota plan summary dated January 2026; benefits can vary by state.
Humana, step by step
Check your state and price
Pick your state and age on Humana's vision page to see plans and prices. Humana's available-state list does not include Alaska, Montana, Oregon, Rhode Island, Vermont or Washington.
Enroll online or by phone
Buy online or call 866-597-0895 (TTY 711), Monday to Friday, 8 a.m. to 9 p.m. Fees are disclosed at enrollment.
Wait a few days for activation
There is no waiting period for benefits, but Humana says most plans are ready to use in 5 to 7 days.
Book with a PLUS provider
Search the Humana Vision PLUS (Humana Insight) network. PLUS providers give a $0 exam and a $250 frame allowance; other network providers give a $10 exam and $200.
Use benefits every 12 months
Exams, frames and lenses reset 12 months from your last date of service. Out of network, you pay and file for the allowances shown in the plan.
Humana vision insurance plans and cost
Humana’s main individual vision plan is Humana Vision PLUS. Humana advertises coverage from $12 a month, based on one person in Maine; your price depends on your state and age. Humana’s fine print adds that a one-time, non-refundable enrollment fee may apply, that payment may include an administration fee, and that dental and vision plans may have a minimum one-year initial contract. Fees are disclosed when you enroll.
What you get, in network:
- Eye exam: $0 at a PLUS provider, $10 at other network providers
- Frames: $250 allowance at PLUS providers, $200 elsewhere, with 20% off the balance
- Standard lenses: $10 copay; standard progressives $65
- Contacts instead of glasses: $200 allowance
Humana also sells Humana Extend plans that bundle dental, vision and hearing benefits into one payment.
Humana's vision network: PLUS vs. regular providers
Humana Vision PLUS uses the Humana Insight network, which Humana’s plan summary identifies as the EyeMed Insight network. EyeMed is a third-party vendor; Humana and EyeMed are separate companies. The summary cites more than 214,000 access points, and Humana’s shopping page cites more than 225,000 in-network vision specialists.
Some providers are designated PLUS providers. They give you a $0 exam and a $250 frame allowance instead of $10 and $200, with no coupons or extra paperwork. Humana names LensCrafters, Pearle Vision and Target Optical among network retailers. Use the provider search on Humana’s site to see which offices near you are PLUS.
Out of network, you pay and are reimbursed up to set allowances: $30 for an exam, $200 for frames, $25 to $55 for lenses and $92 for contacts.
Humana vision insurance legitimacy and licensing
Yes. Humana’s individual dental and vision plans are insured or offered by Humana subsidiaries such as Humana Insurance Company, which insures the Minnesota Vision PLUS policy. Humana, Inc. is based in Louisville, Kentucky.
The BBB rates Humana, Inc. A+ and it has been accredited since September 1998, with 299 complaints in three years across all of its products. Trustpilot reviews average 1.4 out of 5 from 425 reviews, mostly about medical and Medicare coverage. The MyHumana app holds a 4.8 rating on the App Store.
What customers say about Humana
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- The MyHumana app is rated 4.8 out of 5 on the App Store
- Some reviewers credit individual Humana staff for sorting out billing problems
- $0 exams and a $250 frame allowance at PLUS providers
Common complaints
- Customer service that reviewers describe as unhelpful or hard to reach
- Denied claims and coverage disputes, mostly on medical and Medicare plans
- Premium increases and higher out-of-pocket costs than expected
- Providers leaving the network, and website or login problems
Humana vision insurance value for the price
At $12 a month, a year of Vision PLUS costs about $144 plus any enrollment fee. At a PLUS provider you get a free exam and $250 toward frames, so if you buy glasses each year the plan usually covers its cost. It is a weaker deal if you only need an exam, if no PLUS provider is near you, or if your state’s premium is well above the Maine example.
Vision insurance covers routine care. Eye injuries, infections and diseases like glaucoma go to your health insurance, so see a doctor right away for sudden vision changes.
Enrollment fee, contract and cancellation
Humana’s shopping page says a one-time enrollment fee may apply and is non-refundable as state rules allow, and that dental and vision plans may require a one-year initial contract. Humana does not publish the fee amount or its cancellation steps on its public vision pages, so ask an agent at 866-597-0895 before you buy:
- What is the enrollment fee in my state?
- Is there a minimum contract, and what happens if I cancel early?
- How do I cancel, and is any premium refunded?
If a dispute is not resolved, contact your state insurance department.
Complaints and what customers report
Most public complaints about Humana concern its health and Medicare plans. On Trustpilot, recurring themes are unhelpful or hard-to-reach customer service, denied claims, premium increases, providers leaving the network and website login problems; some reviews mention vision platform access issues. A smaller group of reviewers praise individual staff who resolved billing problems.
To avoid surprises with a vision plan, confirm the office is in the Humana Insight network (and whether it is a PLUS provider) before you book, and ask the store to verify your benefits before ordering glasses.
What Humana Vision PLUS does not cover
Humana’s plan summary lists exclusions including:
- Medical or surgical treatment of the eyes
- Vision training and orthoptics
- Two pairs of glasses in place of bifocals, trifocals or progressives
- Non-prescription lenses and safety eyewear an employer requires
- Orthokeratology and refitting after the initial contact lens fitting
- Lost or broken eyewear, except at normal benefit intervals
LASIK is not covered, but members can get 15% off retail or 5% off promotional prices through the U.S. Laser Network.
Alternatives to Humana
- Aetna Vision Preferred Direct Similar EyeMed-run store network with three tiers and no enrollment fee mentioned on Aetna's plan page; its Elite plan cuts standard progressives to $10. Read review
- VSP Individual Vision Plans Better if your eye doctor is a private practice in VSP's network or you shop at Walmart. Read review
- Humana Extend dental, vision and hearing bundle If you also want dental and hearing coverage, Humana's Extend plans combine all three in one monthly payment.
- Paying cash with HSA or FSA money If you only need a yearly exam, paying out of pocket avoids premiums, an enrollment fee and a one-year contract.
Humana reviews
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Frequently asked questions
Is Humana vision insurance EyeMed?
Humana Vision PLUS uses the Humana Insight network, which Humana's plan summary identifies as the EyeMed Insight network. Humana insures the plan; EyeMed is a separate vendor that provides the network.
How much does Humana vision insurance cost?
Humana advertises coverage from $12 a month for one person on Vision PLUS in Maine. Your premium depends on your state and age, and a one-time enrollment fee may apply.
Does Humana charge an enrollment fee for vision insurance?
It may. Humana says a one-time, non-refundable enrollment fee may apply and is disclosed at enrollment. The amount is not published on its vision pages.
Does Humana vision insurance have a waiting period?
No. Humana says Vision PLUS has no waiting periods, though most plans take 5 to 7 days to activate after you enroll.
What is the Humana Vision PLUS frame allowance?
$250 at a PLUS provider and $200 at other network providers or out of network, once every 12 months. In network, you get 20% off the amount above the allowance.
Does Humana vision cover contacts?
Yes, instead of glasses lenses. The allowance is $200 in network and $92 out of network, and medically necessary contacts are covered at a $0 copay in network.
Does Humana vision cover progressive lenses?
Standard progressives have a $65 copay in network, and premium tiers cost $100 to $125 or more, according to Humana's plan summary.
Does Humana vision insurance cover LASIK?
No. Members get 15% off the retail price or 5% off a promotional price for LASIK or PRK through the U.S. Laser Network, which is a discount rather than insurance.
Is Humana vision insurance available in my state?
Humana's available-state list covers most states and Washington, D.C., but leaves out Alaska, Montana, Oregon, Rhode Island, Vermont and Washington. Check Humana's state selector for current availability.
Can I bundle Humana dental and vision?
Yes. Humana Extend plans combine dental, vision and hearing benefits into one monthly payment, with no waiting period for preventive dental care and routine vision and hearing exams.
Sources (12)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Humana: Vision insurance plans for individuals and families (accessed October 12, 2026)
- Humana: Humana Vision PLUS plan (accessed October 12, 2026)
- Humana: Humana Vision PLUS Minnesota plan summary (January 2026) (accessed October 12, 2026)
- Humana: Shop vision plans (accessed October 12, 2026)
- Humana: Find an in-network eye doctor (accessed October 12, 2026)
- Humana: Humana Extend dental, vision and hearing plans (accessed October 12, 2026)
- BBB: Humana, Inc. business profile (accessed October 12, 2026)
- Trustpilot: Humana reviews (accessed October 12, 2026)
- Apple App Store: MyHumana app (accessed October 12, 2026)
- Aetna: Vision insurance plans for individuals and families (accessed October 12, 2026)
- VSP Individual Vision Plans: Compare plans (accessed October 12, 2026)
- Guardian: Vision plans for families and individuals (accessed October 12, 2026)
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