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Ordering contact lenses online is so convenient—and using your vision insurance to cover part of the cost can save you a substantial amount of money. Though FramesDirect.com is considered an out-of-network provider for most insurance companies, you may be able to use your insurance benefits to order your contact lenses online. If you have vision insurance—and out-of-network benefits are included in your plan—you can follow these steps to use your vision coverage toward your FramesDirect.com contact lenses order.

Before You Order

Because benefits and plans vary, verify your vision coverage with your insurer. Learn what percentage or dollar amount you have to put toward your contacts in a calendar year. FramesDirect.com is considered out-of-network for most insurers, which means you will need to submit a reimbursement request after you have received your contact lenses.

Place Your Order

Before you place your order, confirm that the product you’re ordering meets your insurer’s requirements for reimbursement. 

  1. Place your order and pay using your preferred method
  2. Print your itemized order receipt or save your invoice from your package
  3. Fill out and sign the reimbursement form provided by your insurer within the provider’s allotted time frame
  4. Mail your reimbursement request to your insurance provider

You’ll need to fill out your personal information and a few details regarding your order, which can be found on your order receipt or invoice. Sign the reimbursement request and mail it directly to your insurance provider. You may be able to submit your reimbursement online, depending on your insurer’s policies. The status of your reimbursement may be verified with your insurance company.

Some restrictions may apply, so consult your vision insurance provider to verify if reimbursement is available and what guidelines need to be met. Some insurance companies require you submit your request for reimbursement within a specific timeframe, while others require you file for reimbursement once per year, with all qualifying purchases included.

Can you make it easier?

Ordering contacts using your vision benefits can be even easier if you’ve got a Flexible Spending Account. If you have a debit card linked to your FSA or HSA account, use that card at checkout to pay for eligible health care expenses like contact lenses and prescription glasses. HSA and FSA accounts can be used regardless of insurance coverage—and with a Flex Spending Account card there is no need to file a form for reimbursement.

It’s easy to use your vision insurance coverage toward your online contact lens purchase. If your provider reimburses for out-of-network purchases, you’re only a few steps away from saving even more money on your contacts. Call one of our certified opticians at 800-248-9427 with any questions about using your out-of-network vision benefits online.

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