How to Use Insurance at Warby Parker

Warby Parker is one of the top independent eyewear companies in the United States.

The company designs, manufactures, sells, and ships all its eyeglasses and sunglasses in-house. This allows them to offer premium frames at lower prices than high-end competitors.

Warby Parker has retail locations throughout the United States and parts of Canada. They also have an online store and iPhone app where you can shop.

They sell:

Does Warby Parker Accept Insurance?

Yes, Warby Parker is an in-network provider for several vision insurance plans. They are an out-of-network provider for most others.

They work with:

UnitedHealthcare
Spectera
VSP
EyeMed
Cigna
Humana
DavisVision
Anthem
Aetna
NVA

Their insurance page can help you find your benefits. You can also check directly with your insurance provider.

You may be able to apply your vision insurance discount before checkout. Otherwise, you’ll have to apply for reimbursement.

What Is Included in Vision Insurance?

Many vision insurance plans cover one pair of eyeglasses, sunglasses or contact lenses, and one annual eye exam. In most cases, you’ll only have to pay your copay fee.

Nonprescription glasses and sunglasses are not covered, whereas only specific plans cover blue-light-blocking lenses.

What if Warby Parker is Out-Of-Network?

Suppose Warby Parker is considered an out-of-network provider for your carrier. In that case, you can apply for reimbursement if you have an out-of-network benefit in your vision insurance plan.

If the form asks for a provider name, use Warby Parker Inc. You can learn more about applying for out-of-network reimbursement on the insurance page.

Can I Use My HSA or FSA at Warby Parker?

Yes, you can use a health savings account (HSA) or flexible savings account (FSA) at Warby Parker.

As long as your HSA or FSA is connected to a major credit card, you can use these pre-tax dollars to pay for:

Prescription eyeglasses
Prescription sunglasses
Contact lenses
Eye exams
Contact lens fittings

You can use your FSA or HSA card to check out on the Warby Parker website, app, or in-store.

If you’d like to split your cost between your FSA, HSA, and/or another card, you can call them, go to a store, or contact them via the chat feature on their website to set it up.

How Much Do Warby Parker Glasses Cost?

Most frames start at $95, $145, or $195 at Warby Parker.

Their frames are high-quality and cost less than most designer brands. However, they are not as cheap as other budget options such as Zenni Optical and Walmart.

Here’s what you can expect to pay for a pair of Warby Parker glasses:

Frames typically cost $95, $145, or $195, depending on the materials used (both glasses and sunglasses)
Scratch-resistant treatment, anti-reflective coating, UV protection, and superhydrophobic coating are included on all lenses for free
Non-prescription polycarbonate lenses are free for both glasses and sunglasses
Single vision polycarbonate prescription lenses are free on all prescription eyeglasses
Single vision prescription lenses cost an additional $80 for sunglasses
Progressive lenses cost an additional $200 for eyeglasses and $280 for sunglasses
Reader lenses that add magnification up to +2.75 are available for no extra charge
Blue light filtering can be added for an additional $50
Light responsive lenses (often called transition lenses) are available in grey, brown, or green for $100 extra
Polycarbonate lenses are standard, but 1.67 high-index lenses, which are thinner and recommended for people with a strong prescription (+/- 4.0 or more), are available for $30 on eyeglasses and $120 on sunglasses
1.74 high-index lenses are even thinner than 1.67 high-index lenses and are recommended for people with very strong prescriptions (+/- 8.0); they are available for an additional $130 on eyeglasses

Warby Parker Pros & Cons

PROS

High-quality, stylish eyewear that is just as good, if not better, made than designer eyewear
Prices are lower than high-end designers
Scratch-resistant treatment, anti-reflective coating, UV protection, and superhydrophobic coating are standard (and free) on all lenses
Their app is easy to use, and you can virtually “try on” any pair of glasses
Their Home Try-On Program allows you to try five different frames at home for free before buying
Great customer service. Plus, each purchase has a 30-day return or exchange policy, along with a one-year, no-scratch guarantee for our prescription eyeglasses and sunglass lenses

CONS

More expensive than other budget options
Their app is only available on iPhone X or above (not available on Android)
Their contacts cost more than other online retailers

Click here to read my review of Warby Parker.

Summary

Warby Parker makes very high-quality, stylish eyewear that is more affordable than designer brands
You can use your vision insurance to pay for prescription glasses, prescription sunglasses, and eye exams from Warby Parker (in most cases, you only have to pay your copay fee)
You can use your FSA and/or HSA to pay for prescription glasses, prescription sunglasses, eye exams, and contact lenses
Warby Parker frames are cheaper than most designer brands but more expensive than budget brands like Walmart and Zenni
For more information on their insurance policies, head to their website: How to use vision insurance at Warby Parker

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