Get reimbursed for vision insurance with your HRA

Your eyes play an important role in your overall health and vision care can add up quickly. If you have an HRA through your employer, you may be able to use your HRA funds to reimburse the cost of an individual vision insurance plan.

Both CHOICE Arrangements, formerly known as Individual Coverage HRAs (ICHRAs), and Qualified Small Employer HRAs (QSEHRAs) can reimburse eligible medical expenses, including qualifying insurance premiums. That means your HRA can help make individual vision coverage more affordable.

If you’re looking for individual or family vision coverage, you have several options. Take Command has partnered with a few vision insurance providers – Guardian, Renaissance, and Insurance for Everyone – to make it easier to find coverage that works with your HRA.

When shopping for a plan, be sure to compare the premium, network, covered services, allowances for glasses and contacts, and any other plan limitations.

Guardian

Guardian offers individual vision plans with coverage for routine eye exams, glasses, and contact lenses. Its individual vision plans include options at different coverage levels, so you can choose the plan that fits your needs and budget.

Explore Guardian vision plans →

Renaissance

Renaissance offers individual vision insurance options that can be purchased directly through its Active Lifestyles enrollment experience. Enter your ZIP code, coverage start date, date of birth, and household information to view available plans and pricing in your area.

Shop Renaissance vision plans →

Insurance for Everyone

Insurance for Everyone
Insurance for Everyone (IFE) makes it possible to compare and shop for individual insurance plans from multiple carriers. Its platform includes vision insurance along with other types of coverage. Availability and plan options vary by state, so enter your ZIP code and date of birth to see the plans available to you.

Shop vision plans through Insurance for Everyone →

Vision insurance can help cover the cost of routine eye exams, prescription glasses, contact lenses, and other vision care. Even if you have medical insurance, routine vision care may not be included in your medical plan.

Regular eye exams are also an important part of preventive care. In addition to checking your vision, an eye exam can sometimes identify signs of other health conditions.

And with an HRA, you may be able to use your employer-provided funds to help pay the premium for your individual vision coverage.

Vision insurance can vary from one plan to another, so it’s worth taking a few minutes to compare your options.

Remember, the lowest monthly premium isn’t necessarily the best fit. Look at the plan as a whole and consider the vision care you and your family are likely to need.

Potentially, yes. Depending on your employer’s HRA’s design, HRA funds may be available for other eligible vision expenses in addition to insurance premiums.

For example, eligible vision care expenses may include things such as eye exams, prescription eyeglasses, and contact lenses. Your HRA’s specific rules determine which expenses are eligible for reimbursement. 

An HRA can give you more flexibility in how you pay for eligible healthcare expenses. If you need individual vision insurance, using HRA funds to reimburse your eligible premiums can help make coverage more affordable while giving you the freedom to choose a plan that works for you.

Take a look at the vision insurance options available through Guardian, Renaissance, and Insurance for Everyone, then choose the coverage that makes sense for your needs.