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Further Reading

• Vision Insurance Providers in Utah
• AIG Vision Insurance
• Argo Vision Insurance
• AltaMed Vision Insurance
• Aflac Vision Insurance
• Direct Vision Insurance
• Mutual of Omaha Vision Insurance
• Kaiser Vision Insurance
• Best Vision Coverage Plans in 2021
• Qualsight for LASIK
• Future of Eye Care
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• Vision Insurance Providers in Arizona
• Vision Insurance Providers in Nevada
• Vision Insurance Providers in Washington
• Vision Insurance Providers in Texas
• Vision Insurance Providers in Oregon
• Vision Insurance Providers in California
• Defined Contribution Plans for Vision Care
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• Medi-Cal Vision Benefits
• Costco Vision
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• Vision Insurance Companies in 2022
• Medicaid for Vision Care Coverage
• EyeMed Insurance Coverage
• VSP Coverage
• Humana Coverage
• Cigna Coverage
• FEP BlueVision
• EyeMed vs. VSP
• Medicare Coverage for Glasses
• Options to Afford Cataract Surgery
• Superior Vision
• Vision + Dental Packages
• Spectera Vision
• Davis Vision
• MetLife Vision
• Blue View Vision
• United Healthcare (UNH)

Getting an Eye Exam Without Insurance: What to Expect (Costs and More)

Home / Insurance for Laser Eye Surgery & LASIK / Eye Exams Without Insurance

If you do not have vision insurance, the cost of ophthalmologist visits without insurance may seem like an unnecessary expense. The average cost of an eye exam in the United States is around $200, which can be out of reach for many people. If you have an eye condition that requires regular checkups, you may spend more than that in a year.

Table of Contents

• Eye Exam Cost
• Financial Help
• Self Diagnosis and Online Tests

Does Telehealth Services Work for Eye Exams?

Frequently asked questions about eye exam costs.

There are low-cost and free options to help you if you struggle financially since eye health is crucial to overall health. While there are online tests of your visual acuity, contrast, or color vision, ultimately self-diagnosis does not help you uncover potentially serious conditions like cataracts , macular degeneration, or glaucoma.

Eye health is very important. If you do not have appropriate glasses or contact lens prescriptions, you may suffer from eye strain, headaches, and trouble concentrating. Routine eye exams can also help you get early treatment and surgery for serious eye complications, like glaucoma or cataracts, before you suffer partial blindness.

Millions of Americans go without eye insurance, which covers the cost of annual eye exams. If you do not have vision insurance, what should you do to get an affordable cost of ophthalmologist visits without insurance?

How Much Does an Eye Exam Cost in the United States?

Estimates from FAIR Health suggest that eye exams are, in fact, the cheapest part of taking care of your eye health; however, they are still not a small amount of money if vision insurance does not supply assistance. National average costs are:

• $200 for initial patient exams.
• $128 for established patient exams.
• $46 for refractive vision tests.

These costs are the overall average of the most expensive cities and least expensive towns across the United States. However, they indicate what you can expect, in general, from an optometrist. If you have an underlying vision issue or the risk of developing a more serious vision disease, you may need to go to more frequent visits, which can become expensive without insurance.

However, FAIR Health also found that 80 percent of the nation’s eye exams were at or below these costs:

• $250 for initial patient exams
• $155 for established patient exams
• $60 for refractive vision tests

Eye exam frequency can impact your overall costs too. For the most part, frequency is based on age:

• Birth to 24 months (2 years): every 6 months or as recommended
• 2 to 5 years old: at 3 years old on average
• 5 to 19 years old: once per year
• 19 to 60 years old: every one to two years or as recommended, depending on eye health and refractive error
• 61 and older: annually, or as recommended by optometrist

When you need new glasses and a year’s supply of contact lenses, however, the costs begin to rapidly increase into the thousands of dollars. Getting help covering the costs of the exam and finding glasses or contact lenses for free or cheap can help people who are struggling financially and do not have vision insurance.

Financial Help to Get Regular Eye Exams and Corrective Wear

After the passage of the Affordable Care Act (ACA) , vision insurance was slowly phased in as one of the health care marketplace’s options. However, oral and vision care are not considered essential health benefits for adults that standard health insurance must cover. Instead, the marketplace offers these types of insurance separately , with a tax credit as applicable based on income. For children, pediatric health insurance covers vision and dental care, as required by the ACA.

If you still cannot get vision insurance or missed the ACA application window, there are other options to get lower cost eye exams, financial aid for eye exams, and even free exams.

• Costco: Whether you have a membership to Costco or not, many of the stores have in-house optometrists who can conduct basic eye exams and give you prescriptions for glasses or contact lenses. To take advantage of their low-cost corrective eyewear, however, you must be a member. Without insurance, an eye exam at Costco will usually cost about $75 to $80.
• Walmart: Some Walmart stores have Walmart Vision Centers within them, where you can get an eye exam for $75 to $85 without insurance.
• Target: You can get a comprehensive eye exam at Target Optical Exact prices vary according to location, but an eye exam will cost between $60 and $100 without insurance.
• Groupon or other online coupons: Companies like Groupon and LivingSocial specialize in offering discounted products and services, including medical services. While many health services are cosmetic, you may be able to find a deal on eye exams, glasses, and/or contact lenses in your area.

If inexpensive or low-cost eye exams are out of reach, the National Eye Institute maintains a list of organizations that provide free eye exams and, often, free glasses.

• Optometry Cares: The AOA Foundation keeps a list of state-specific resources.
• EyeCare America has provided free eye exams to 1.8 million people since 1987.
• Lion’s Club International offers a vision screening program.
• Older adults may qualify for Medicare’s vision screenings to prevent diabetes-related eye conditions, macular degeneration, and glaucoma.

Self-Diagnosis and Online Tests Are Appealing but Ineffective

For those who know they have a refractive error — nearsightedness, farsightedness, or astigmatism — you can likely tell when you need new glasses or contact lenses because your existing vision problem will slowly progress until you need an updated prescription. This is a form of self-diagnosis that is useful if you do not otherwise need regular eye exams, so you can instead maintain your eye health with exams every other year. It is not recommended for adults to go more than two years without an eye exam.

If you do not know if you have some types of eye conditions and suspect that you may have an eye problem, you may search online for eye exams. There are several free online tests available to examine your visual acuity.

For example, one is in three parts and determines your visual acuity, your contrast vision, and your color vision, which can indicate not just refractive errors, but also help you understand if you have a more serious condition, like macular degeneration. Online astigmatism tests can help you learn more about specific refractive errors.

Some online companies even claim that they can renew your glasses or contact lens prescription online if you take their test, and you do not have to pay an exorbitant amount of money or keep an appointment with a doctor. This may seem like a great option for convenience and financial reasons, but it does not ultimately take care of your eyes’ overall health. Conditions like cataracts or glaucoma can be detected by routine, in-person tests and exams, which cannot be conducted online.

For the same reasons that online eye exams aren’t a good choice, telehealth services don’t work for eye exams.

If you have early stages of several serious vision conditions, you may still be able to see well enough, or you may treat the condition like a refractive error, believing you simply need stronger glasses. While you may qualify for an updated prescription, a telehealth eye exam doesn’t give the doctor the opportunity to fully examine your eyes and potentially detect concerning eye conditions or diseases.

Ultimately, self-diagnosis and telemedicine do not work as well for vision exams as they might for other conditions. So many eye conditions can be caught early and treated with routine exams.

Saving up and going in person to see an optometrist makes a huge difference. With the ACA’s introduction of vision insurance to the health insurance marketplace, affordable insurance coverage can help reduce your costs for eye exams, new glasses, and more.

How much is the cost of ophthalmologist visits without insurance?

Exact prices vary according to location and retailer, but an average eye exam will cost $75 to $200 without insurance. While some doctors may charge up to $300 for an eye exam, retailers like Costco and Target offer relatively inexpensive eye exams.

How much does an eye exam cost with insurance?

Vision insurance plans usually cover the cost of an annual eye exam.

What is included in the cost of an eye exam?

In a comprehensive eye exam, the doctor will test your visual acuity , refraction, keratometry and topography, and the ability of your eyes to focus, team, and move. They will also take a patient history and assess your overall eye health. In some instances, supplemental testing may be recommended.

How can I pay less for an eye exam?

If you have vision insurance, it’s likely that the cost of your annual eye exam is fully covered. Consult your plan for specifics on your coverage. If you don’t have insurance, consider big-box retailers that offer discounted eye exams , such as Walmart, Target, or Costco.

• How Much Does an Eye Exam Cost? (September 9, 2016). Nerd Wallet.
• What Marketplace Health Insurance Plans Cover . Healthcare.gov.
• Vision Coverage . Healthcare.gov.
• I’ve Been a Costco Member for Eight Years, and One Little-Known Perk Makes It More Than Worth It . (April 11, 2018). Business Insider .
• Eye Exam in Seattle, WA . Groupon.
• Financial Aid for Eye Care . (June 2016). National Eye Institute (NEI), National Institutes of Health (NIH).
• State Specific Resources . Optometry Cares: The AOA Foundation.
• EyeCare America . American Academy of Ophthalmology (AAO) .
• Vision Screening . Lion’s Club International.
• Your Medicare Coverage: Eye Exams . Medicare.gov.
• ZEISS Online Vision Screening . Zeiss.com.
• Astigmatism Test . OptoPLUS Eyecare Clinic.
• Online Vision Tests: Time Saver or Risk Maker? (August 7, 2018). Review of Ophthalmology .

The information provided on this page should not be used in place of information provided by a doctor or specialist. To learn more, read our Privacy Policy and Editorial Policy pages.

Getting an Eye Exam Without Insurance

Even if you don't have vision insurance, you should make sure to get your yearly eye exam. There are many affordable vision centers in the United States, some even offering free eye exams and eyeglasses.

Learn more by reading The EyeDoctors Optometrists quick guide to getting an eye exam without insurance.

Why Eye Exams Are Important

When performing a routine eye exam, an optometrist evaluates the eye’s overall health and discusses any vision problems you may be having. After examination, the optometrist will then work to diagnose, treat, and manage your condition.

Comprehensive eye exams evaluate potential changes in your vision and your ocular health. Optometrists can detect more than 270 systemic diseases¹, such as diabetes and high blood pressure, during a routine eye exam. In fact, the earliest signs of these diseases are in the eyes.

Invest in a Vision Insurance Plan

Health insurance typically does not cover any of the costs for eye exams and glasses. Investing in a vision insurance plan allows you to receive affordable eye care. This is especially true if you struggle with vision problems, such as vision loss or glaucoma. Each plan has different benefits, but all provide valuable assistance with the cost of eye care.

Vision insurance plans can offer coverage for:

Annual comprehensive eye exams

Prescription eyeglasses

Contact lenses

Contact lens fittings

Prescription sunglasses

Vision surgery

Treatable Conditions That Cause Vision Loss

Cost-effective optometry care, your local the eyedoctors optometrists.

If you are looking to get an eye exam without insurance, you have plenty of options. Don't let a lack of insurance deter you from seeing an eye doctor who can help monitor your eye health and overall wellness.

The EyeDoctors Optometrists offers affordable comprehensive eye exams, eyeglasses, and contact lenses.

Elderly Eye Care with EyeCare America

EyeCare America⁶ is a non-profit program that offers free and low-cost eye care for those over the age of 65. In addition to receiving affordable care, EyeCare America includes the care for any diagnosed conditions for up to a year.

EyeCare America offers glaucoma evaluations to patients who meet their qualifications⁷ but do not have insurance.

Infant Vision Care with InfantSEE

Offered by the American Optometric Association, InfantSEE⁸ offers free eye exams and vision assessments for infants ranging from 6 to 12 months old.

Sight for Students

Over 860,000 children have received aid from the VSP Sight for Students gift certificates since the program’s founding in 1997. These are distributed through VSP Eyes of Hope community partners, which allow qualifying children to receive a free eye exam and free eyeglasses.

Optometry Colleges and Universities

If you have a college of optometry in your area, ask if they offer low-cost eye exams. You’ll find that the student eye doctors are very skilled and are usually supervised by a licensed optometrist.

Eye Care for All Ages with Lions Club International

Lions Club International has members around the world who are focused on helping others including helping to cover the cost of eye exams, donate free eyeglasses to those who can't afford them, and host vision screening events.

You can search online for a Lions Club near you⁹ and ask about its local offerings.

Schedule a Comprehensive Eye Exam

Start taking control of your eye health – schedule a comprehensive eye exam today!

The EyeDoctors Optometrists has many experienced eye doctors that can identify potentially harmful vision problems and conditions, allowing you to reduce the risk of vision loss.

Getting an Eye Exam Without Insurance

Did you know you can still get an eye exam without insurance? It’s estimated that there are over 93 million adults in the United States who are at a high risk of experiencing vision loss.

If you don't have vision insurance, you may wonder if you can still get an eye exam. Health insurance is vital for when you're sick or injured, but often does not cover the costs of a routine eye exam.

Continue reading to learn more about getting a comprehensive eye exam without insurance from the experts at the eyecarecenter.

Why Eye Exams Are Important

An optometrist routinely performs eye exams to evaluate your eye’s overall health. This allows them to diagnose and manage eye diseases before they cause permanent vision loss.

Sight is the most important sense: it’s responsible for relaying vital information to our other four senses. Without our sight, it’d be difficult to live our normal lives.

Optometrists can detect more than 270 systemic diseases¹, such as diabetes and high blood pressure, during a routine eye exam. In fact, the earliest signs of these diseases are in the eyes.

Invest in a Vision Insurance Plan

Health insurance typically does not cover any of the costs for eye exams and glasses. Investing in a vision insurance plan allows you to receive affordable eye care. This is especially true if you struggle with vision problems, such as vision loss or glaucoma. Each plan has different benefits, but all provide valuable assistance with the cost of eye care.

Vision insurance plans can offer coverage for:

Annual comprehensive eye exams

Prescription eyeglasses

Contact lenses

Contact lens fittings

Prescription sunglasses

Vision surgery

Treatable Conditions That Cause Vision Loss

Cost-effective optometry care, your local eyecarecenter.

If you are looking to get an eye exam without insurance, you have plenty of options. Don't let a lack of insurance deter you from seeing an eye doctor who can help monitor your eye health and overall wellness.

eyecarecenter offers affordable comprehensive eye exams, eyeglasses, and contact lenses.

Elderly Eye Care with EyeCare America

EyeCare America⁶ is a non-profit program that offers free and low-cost eye care for those over the age of 65. In addition to receiving affordable care, EyeCare America includes the care for any diagnosed conditions for up to a year.

EyeCare America offers glaucoma evaluations to patients who meet their qualifications⁷ but do not have insurance.

Infant Vision Care with InfantSEE

Offered by the American Optometric Association, InfantSEE⁸ offers free eye exams and vision assessments for infants ranging from 6 to 12 months old.

Sight for Students

Over 860,000 children have received aid from the VSP Sight for Students gift certificates since the program’s founding in 1997. These are distributed through VSP Eyes of Hope community partners, which allow qualifying children to receive a free eye exam and free eyeglasses.

Optometry Colleges and Universities

If you have a college of optometry in your area, ask if they offer low-cost eye exams. You’ll find that the student eye doctors are very skilled and are usually supervised by a licensed optometrist.

Eye Care for All Ages with Lions Club International

Lions Club International has members around the world who are focused on helping others including helping to cover the cost of eye exams, donate free eyeglasses to those who can't afford them, and host vision screening events.

You can search online for a Lions Club near you⁹ and ask about its local offerings.

Schedule a Comprehensive Eye Exam

Start taking control of your eye health – schedule a comprehensive eye exam today!

eyecarecenter has many experienced eye doctors that can identify potentially harmful vision problems and conditions, allowing you to reduce the risk of vision loss.

No Insurance? How to See a Doctor Without Insurance

Shop around, ask about cash discounts and consider community health centers and free clinics.

This article is based on reporting that features expert sources.

8 Tips for Getting Medical Care Without Insurance

Millions of people in the U.S. live without health insurance, a circumstance that can cause people to weigh the need to see a doctor against the cost. Unfortunately, many people will put off or do without medical care because they can't afford it, a decision that could jeopardize their health.

Getty Images

While the Affordable Care Act has boosted the number of Americans with insurance, millions remain uninsured. In 2018, 27.5 million people – more than 8% of the U.S. population – were uninsured, according to the U.S. Census Bureau. Private health insurance covered 67% of Americans. Those without health coverage face the dilemma: Where can I go for medical care without insurance?

The Coverage Gap

In addition to the people who are uninsured, millions are underinsured, according to a survey by the Commonwealth Fund. Among people with health insurance, 29% were underinsured in 2018, compared to 23% in 2014, according to the fund's Biennial Health Insurance Survey: "People who are 'underinsured' have high health plan deductibles and out-of-pocket medical expenses relative to their income and are more likely to struggle paying medical bills or to skip care because of cost."

The survey found that 41% of underinsured adults reported they delayed needed medical care because of cost. By contrast, 23% of people with adequate insurance coverage said they delayed such treatment. Also, 47% of underinsured adults reported medical bill and debt problems.

Tips for Finding Affordable Medical Care

If you're uninsured or underinsured, here are eight strategies for finding affordable medical care:

• Research your eligibility for insurance.
• Shop around.
• Agree to a price in writing.
• Ask about a cash discount.
• Keep good records.
• Be prepared.
• Consider community health clinics.
• Think about urgent care centers.

1. Research your eligibility for insurance.

Depending on your situation, you might be eligible to buy individual health insurance coverage from the ACA marketplace or in the individual market, or you might qualify for Medicaid, Medicare or the Children's Health Insurance Program for your kids, says Kim Buckey, vice president of client services at DirectPath, a company that provides personalized health benefits education and enrollment services to large employers.

2. Shop around.

Prices for health care appointments and procedures vary dramatically, with differences of up to 2,000%, says Bill Kampine, co-founder and senior vice president, analytics and innovation, for Healthcare Bluebook. The company's client base includes municipal and large self-insured employers. It also offers a free online tool that individuals can use to comparison shop for health care services by region.

3. Agree to a price in writing.

4. Ask about a cash discount.

5. Keep good records.

6. Be prepared.

7. Consider community health centers and free clinics.

There are a number of health care providers that provide services at little or no cost to those who are eligible, says April Temple, an associate professor of health sciences at James Madison University in Harrisonburg, Virginia.

8. Also, think about urgent care centers.

Nationwide, there's been a meteoric rise in the use of urgent care centers in recent years. These facilities provide a higher level of care than what's available at some pharmacy retail clinics, but aren't equipped to provide emergent care for things like heart attacks and strokes. Urgent care centers can treat a wide array of maladies, including upper respiratory infections, bronchitis, diverticulitis; high blood pressure, food poisoning, sprains, minor fractures and lacerations. An urgent care visit typically costs around $150, according to Debt.org.

12 Common Medical Emergencies

The U.S. News Health team delivers accurate information about health, nutrition and fitness, as well as in-depth medical condition guides. All of our stories rely on multiple, independent sources and experts in the field, such as medical doctors and licensed nutritionists. To learn more about how we keep our content accurate and trustworthy, read our  editorial guidelines .

Buckey is vice president of client services at DirectPath, a company that provides personalized health benefits education and enrollment services to large employers.

Kampine is co-founder and senior vice president, analytics and innovation, for Healthcare Bluebook. The company’s client base includes municipal and large self-insured employers. It also offers a free online tool that individuals can use to comparison shop for health care services by region.

Temple is an associate professor of health sciences at James Madison University in Harrisonburg, Virginia.

Tags: health insurance , Affordable Care Act , Medicaid , patient advice

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• Personal Care

Here's How to Get Affordable Eye Exams and Glasses Without Insurance

Eye exams, glasses and contacts have traditionally been an expensive proposition for those without vision insurance. However, low-cost eye care is available. Here's what to know.

Maintaining healthy eyes is an essential part of health care, yet many Americans overlook or put off tending to this important aspect of their health and well-being. According to data from the Centers for Disease Control and Prevention , 93 million adults in the US are at a high risk of developing serious vision loss, but only half of them have visited an eye doctor in the last year.

In many cases, that's because vision care is too expensive. Roughly half of adults in the US go without vision insurance, which isn't included in standard health plans. And without insurance, a typical eye exam costs about  $184 . Add in the cost of glasses or contacts, and it's no surprise that many Americans avoid going to the eye doctor or keeping their prescription up to date.

Getting an eye exam without insurance doesn't have to be overly costly, though. There are several ways to find cheap eye exams or low-cost eye care, and we'll explore them here.

Read more: Best Places to Buy Glasses Online

Where is the cheapest place to get an eye exam?

Some of the best places to look for eye exams or glasses without insurance are discount eye exam centers or online glasses retailers . There are quite a few options, but our favorites are:

• America's Best : This popular chain offers eye exams for $59, or you can buy two pairs of glasses for $80 and get the eye exam for free.
• Costco : Not all Costco locations have a Costco Optical, but this can be a good option if your nearest Costco offers it. Exams range between $50 and $100 , but you'll need a Costco membership first.

• EyeBuyDirect : Online glasses retailers have exploded over the past decade, and EyeBuyDirect offers some of the best deals for glasses without insurance. Frames start as low as $6 , and basic prescription lenses are very affordable. 
• Eyeglass World : Another online retailer, Eyeglass World, offers deals on glasses as low as two pairs for $89 . The company also offers eye exams at more than 100 locations around the US.
• GlassesUSA : This online retailer offers similar deals to those you'll find at Eyeglass World, with a variety of discounts and sales to make glasses without insurance even more affordable.
• Jonas Paul : The costs of eye care can add up quickly for families, but Jonas Paul aims to change that. Based on Warby Parker's model of home try-on kits and donating a pair of glasses for every pair you buy, Jonas Paul offers affordable, stylish glasses for children and teenagers, starting at $59.
• Sam's Club : As with Costco, you'll need a Sam's Club membership to access this benefit. Eye exams range between $50 and $100 , on average.
• Target and Walmart : If you'd rather not get a membership to Costco or Sam's Club, you can still get cheap eye exams while you shop at Target or Walmart. Eye exams at these major retailers also fall in the $50 to $100 range.

If you just need new lenses for an existing frame, you can save money by checking out online options for replacement lenses . For contact lens-wearers, learn how to extend the life of your contacts to save money in the long run. 

Read more: Best Places to Buy Contact Lenses Online

Check out national programs for eye care

The above retailers may still be too costly for some, but they aren't the only options for eye exams without insurance. Many programs offer free eye care or low-cost options for those who qualify, including: 

• EyeCare America : This program, run by the American Academy of Ophthalmology, offers free or discounted eye exams to people over age 65 and to those with a higher risk of developing glaucoma.
• InfantSEE : The American Optometric Association provides free eye exams for any children between six and 12 months old, regardless of income level. 
• Lions Club International : Lions Club offers free or discounted eye care, and many of its locations provide glasses.
• New Eyes : Although this program doesn't offer free eye exams, New Eyes provides a free pair of glasses to qualifying low-income applicants. It's best to have your eye doctor or a social worker apply on your behalf.
• OneSight OnSite Voucher Program : OneSight is a foundation launched by EssilorLuxottica, which also owns brands such as Lens Crafters and Target Optical . To take advantage of its free eyeglasses, you'll need to have your eyes checked through a local nonprofit such as a church, school or Red Cross. Once they verify your need for financial assistance , they can connect you with OneSight.
• Vision USA : Another service from the American Optometric Association that provides free eye exams -- and glasses in some states -- to uninsured, low-income families through various partners.
• VSP Eyes of Hope : Similar to Vision USA, this program provides no-cost eye care to uninsured families below certain income levels.

See an optometrist student

If you're willing to receive care from students studying optometry or ophthalmology, many schools offer cheap eye care and free eye exams for patients. Students conducting the exam are supervised, so you can still be confident you're getting quality care. You may also find opportunities to participate (for free) in college research studies. 

Look for participating schools here , and call any schools in your area to inquire about student exam programs and costs.

Medicare or Medicaid may help cover costs

Participants in Medicare or Medicaid may also have options when it comes to finding low-cost eye care. 

Medicaid, which provides free health care for low-income children and some low-income adults, generally offers some level of vision care. All Medicaid plans include eye exams and glasses for children under age 21, but coverage for adults varies by state. You may be able to get free eye exams, glasses or both. To find out what Medicaid covers in your state, contact your state Medicaid agency . Children who are ineligible for Medicaid may be able to get vision coverage through their state's Children's Health Insurance Program.

Medicare is a program for adults over 65 and some people with disabilities. It generally doesn't offer vision coverage, but it does help with certain eye conditions , including cataracts, dry eye, macular degeneration and glaucoma. 

You may be able to get more extensive vision coverage through a Medicare Advantage program. This Medicare-approved coverage is offered through private insurers and often includes vision coverage for eye exams, glasses and contacts .

Bottom line

Eye exams are an essential but often neglected piece of the health care puzzle for many Americans -- and that's largely due to cost. But there are many services designed to remove these cost barriers by making eye exams and glasses more affordable and accessible for everyone. 

If you're struggling to pay for vision care, check out the many local and online retailers, as well as several national programs, to see if you can get the care you need for a cost you can manage.

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Get discount glasses without insurance? Here’s how

By Allie Johnson ; updated by Martha Belden

How to buy affordable glasses without vision insurance in 2024

Have you been squinting through old lenses because you don’t have vision insurance? A low-cost eye exam and discount glasses can bring your world back into focus without breaking the bank. With a little legwork you can get affordable, stylish glasses even if you don’t have vision insurance. 

Here’s how: Get a low-cost eye exam (because you will need a prescription, and be sure to ask for your pupillary distance ). Then shop for discount glasses online or at an optical store.

What is the cost of an eye exam?

The cost of an eye exam without vision insurance can vary from $50 to $250, according to research gathered by Vision Center .

The U.S. national average cost for an eye exam is $200 for new patients and just less than $100-$150 for repeat patients, Vision Center found. 

A refractive vision test, which is done during a comprehensive eye exam to determine your prescription, can add almost $50 to your bill.

To get a low-cost eye exam, consider the who, what and where, as these are just some of the factors affecting the price of an eye exam: 

Who will be examining your eyes: The cost of an eye exam by an optometrist (OD) can be lower than the cost of an eye exam by an ophthalmologist (MD). The price of an eye exam also varies from eye doctor to eye doctor.

Which eye tests will be part of your exam: Some eye tests can increase the cost of your eye exam. 

Glasses or contact lenses? An eye exam that includes a contact lens fitting will typically cost more than an exam for eyeglasses.

Where will you get your eye exam? Your price varies depending on where you live. 

That’s why it pays to shop around when you’re paying out of pocket for an eye exam. Look for seasonal specials, too, on eye exams, especially around back-to-school season.

How can I get a low-cost eye exam?

There are several ways to get a free or low-cost exam. 

Purchase your own vision insurance

First, consider buying your own vision insurance . While many employees get vision insurance through an employer, you can purchase coverage on your own. 

Basic individual coverage costs about $15 a month, and once you sign up you can schedule a low-cost eye exam (copay often is $15) with a participating eye doctor.

Visit an optical store or vision center

Eye exams often cost less at in-store optical centers than at eye doctors’ offices. 

For example, Costco , Sam’s Club , Target and Walmart all offer eye exams and eyeglasses at their vision centers. Both exams and glasses are generally much less expensive as well.

Seek vision savings based on age or need

Some organizations fund low-cost or free eye exams and free eyeglasses . 

For example, EyeCare America offers free exams to qualifying patients age 65 and older. And the nonprofit group New Eyes provides free eyeglasses to children and adults in need.

SEE RELATED:   The best time of year to get deals on glasses and sunglasses

How to buy discount eyeglasses

Once you’ve got a prescription and your pupillary distance from your eye doctor, it’s time to shop for glasses. 

By shopping around and comparing prices, you should be able to find a new pair of glasses that fits your budget, face shape and personal style.

The big question: Should you buy glasses online or get your glasses through your eye doctor or at a retail optical shop near you? 

Each choice has pros and cons.

Buying discount glasses online

Pro : Larger frame selection. Online eyeglasses stores can offer thousands of frames, while an optical shop’s frame selection is limited by the size of the store.

Pro : Lower eyeglasses prices. It’s fairly easy to find affordable frames shopping on your smartphone or computer. For example, some online glasses stores offer frames starting at $6 .

Con : What if your glasses don’t fit right? Glasses purchased online or in-store come with a warranty, but terms vary. If you buy glasses from an eye doctor, they will help you select a pair to best fit your face. They will also likely adjust the fit once your new glasses come in.

Buying discount glasses in-store

Pro : Personal service. Your eye doctor calculates your pupillary distance. No need to follow online directions or input your prescription. And which frames look good on you? You can try on as many styles as you like, and your optician can help you decide.

Pro : Financial assistance. If you’re on a budget, your eye doctor often will work with you to find eyeglasses that you can afford. A chatbot or a customer service rep likely won’t be able to work within your budget.

Con : Possibly higher prices. As the old adage says, “you get what you pay for,” and that added personal service costs. Plus, a brick-and-mortar store’s frame selection may not feature many discount frame options. Watch for seasonal sales, though, both in-store and online.

When buying discount glasses online makes sense

Buying glasses online may be a good choice for you if you’re budget savvy and have a relatively simple eyeglasses prescription . 

However, it may not be the best option if you have a more complex prescription. 

For example, you may need to order glasses from your eye doctor if you need progressive lenses or other multifocal lenses . 

Even without vision insurance, you have plenty of ways to get rid of your outdated glasses and buy a new pair that will be easier on your eyes.

READ NEXT : How can I get my nearsighted child the help he needs without vision insurance?

Page published on Wednesday, September 18, 2019

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How to find the best computer glasses in 2024

Finding an Eye Doctor

Seeing an eye doctor is the best way to stay on top of your eye health — and eye doctors aren’t just for people who need glasses or contacts. Many common eye diseases don’t have any early warning signs, so getting an eye exam is the only way to be sure your eyes are healthy.

When do I need to see an eye doctor?

Your regular doctor may check your eyes quickly during an appointment. But that’s not enough to keep your eyes healthy in the long run. It’s time to see an eye doctor if:

• Your vision is blurry or your eyes are red, swollen, or painful
• You’re not seeing in focus, even when you’re wearing your glasses or contacts
• You think you may have a vision problem or eye disease
• Your doctor says you need a dilated eye exam

What kind of eye doctor do I need?

There are 2 basic types of eye doctors: optometrists and ophthalmologists. The best choice depends on your eye care needs.

Find a doctor for general eye care

For general eye care, either an optometrist or ophthalmologist is a good option. Both of these types of eye doctors can:

• Give you a comprehensive dilated eye exam
• Write a prescription for glasses or contacts
• Prescribe medicines

Wondering what to expect from a dilated eye exam? Learn more about dilated eye exams .

Getting glasses or contacts?

After your eye doctor gives you an exam and writes a prescription, see an optician . Opticians aren’t doctors, but they’ll use your prescription to set you up with the right glasses or contacts.

Your eye doctor may have an optician working in their office. You can also find opticians in stores that sell glasses and contacts.

Find a doctor to treat serious eye problems

For serious eye problems, you may want to see an ophthalmologist . This type of eye doctor may offer treatments — like surgery — that optometrists don’t. Some ophthalmologists specialize in specific eye diseases, like glaucoma or diabetic retinopathy.

Do you have a visual impairment?

If you have a visual impairment, vision rehabilitation services can help you make the most of the vision you have. Talk to your eye doctor about vision rehabilitation.

How do I find a doctor who’s the right fit?

Ask for recommendations.

Start by asking your regular doctor to share the names of local eye doctors. Talk to your family and trusted friends, too. What do they like — or not like — about their eye doctors?

Look online

Use these online tools to find an eye doctor near you:

• Find an Optometrist (American Optometric Association)
• Find an Ophthalmologist (American Academy of Ophthalmology)
• Find a Retina Specialist (American Society for Retina Specialists)

If you have health insurance, you can also check your plan’s website to find eye doctors in your area.

Find out how much you’ll need to pay

If you have health insurance, call your insurance company and ask:

• What eye care services does my plan cover?
• What will my out-of-pocket costs be?
• Can you give me a list of eye doctors who are in my plan’s network?

Keep in mind that many plans — including some Medicare plans — don’t cover routine eye exams or eyeglasses.

If you don’t have health insurance, or if your plan doesn’t cover eye care, call the eye doctor’s office and ask how much the appointment will cost.

Need help paying for eye care?

Prepare for your visit.

Before you meet with your eye doctor, it’s a good idea to write down your questions to help you make the most of your visit. Get tips on how to talk to your eye doctor .

See if it's a good fit

After the appointment, ask yourself:

• Did the doctor and office staff explain things in a way you could understand?
• Did you get a chance to ask questions?
• Did you feel rushed during the appointment?
• Do you feel like you and the doctor could work together as a team?

Taking the time to find an eye doctor you trust is worth it. If you’re not happy with how things are going, it’s okay to look for a different eye doctor.

Note: NEI does not endorse or recommend specific eye care professionals .

Last updated: August 18, 2021

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• Urgent Care
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How Much Does a Doctor’s Visit Cost Without Insurance?

According to the Agency for Healthcare Research and Quality, the average cost of a visit to the doctor’s office in 2016 was $265, with expenses ranging from $159 to $419 depending on the specialty.

• At an urgent care center you can expect to pay between $100-200 to see a provider, plus the cost of any treatments or testing you may need.
• Always ask for pricing information before you agree to any testing or treatment. You are entitled to this information.

Going to the doctor for any reason can be expensive. Without insurance, you can expect to pay approximately anywhere from $50–$350 just for a routine medical exam, which doesn’t include additional expenses such as x-rays , blood tests, or other lab work.

The cost of a doctor's visit

According to Solv’s Chief Medical Officer, Dr. Rob Rohatsch, the cost of a doctor’s visit can vary widely depending on factors such as:

• The type of doctor you are seeing
• The reason for your visit
• Where you see the doctor, for example, if you go to an urgent care facility or a doctor’s office
• Whether you are a new or established patient
• Any necessary tests or treatments
• Whether you need lab work

Visits to specialists such as primary care providers, pediatricians, and psychiatrists were lower than the average cost, while the most expensive doctor’s visits were for orthopedists and cardiologists.

Data from the Agency for Healthcare Research and Quality indicates that if you are visiting a doctor and don’t have insurance, you can expect to pay roughly the following amounts. The cost could vary depending on the factors listed above.

• Psychiatry: $159
• Pediatrics: $169
• Primary care: $186
• Dermatology: $268
• OB/GYN: $280
• Ophthalmology: $307
• Cardiology: $335
• All other: $365
• Orthopedics: $419

Additionally, if you are a new patient, there may be an additional charge associated with your new patient exam.

Where to see a doctor without insurance

If you don’t have insurance, the cost of your doctor’s visit can also be affected by where you go to see the doctor. There are many places you can seek medical care, some of which are more affordable than others, notes the Agency for Healthcare Research and Quality:

• Community health clinics often provide free medical care or low-cost care, including preventive care, health screenings, and vaccinations .
• Urgent care centers offer many health services. Many don’t require appointments, although your wait time may be less if you schedule an appointment in advance. You can expect to pay around $100 - $200 to see an urgent care provider, plus the cost of any treatments or testing you may need.
• Many health care facilities now offer telehealth services, which are often more convenient and more affordable. For some conditions, however, you may need to be seen in person for proper diagnosis and treatment.
• If your medical need is not urgent, and you know the type of doctor you need to see, you can schedule an appointment with a primary care physician or a specialist at their office. Be sure to ask about their payment policy in advance. If you don’t have insurance, you may be required to pay the entire bill at the time of service.
• If you have a medical emergency, you can visit the nearest emergency room. Even if you don’t have insurance, you will be able to receive treatment. However, this is typically the most expensive option. If you have a non-emergency medical condition that can wait until you can be seen at one of the other options, you will likely save money.

Paying self-pay prices for doctor’s visits

Even if you have insurance, you may be able to save money by paying cash for certain medical services. While preventive care may be covered at 100% by your insurance company, other tests and treatments may be applied to your deductible. If you have a high deductible and don’t expect to meet it – especially if it’s late in the calendar year – paying cash for your medical care may be a cheaper option.

Most doctor’s offices and health care providers charge a higher price when they bill the insurance company. For example, they may charge the insurance company $70 for a treatment or service, but if the patient is paying cash, they may only charge $60. This is known as the self-pay price . If you pay cash, the claim won’t be submitted to your insurance company, but you could end up saving money.

Always ask for pricing information before you agree to any testing or treatment. You are entitled to this information. As of 2021, hospitals are required to disclose self-pay prices, even when the patient has insurance. If the doctor’s office won’t provide you with this information, be persistent, or seek care somewhere else. If you plan on paying self-care prices, you aren’t limited to the providers in your insurance network. You’ll have a wider range of options to choose from, and you can choose a provider who is willing to provide fair, clear prices.

Let your doctor’s office know that you are paying out of pocket, and ask if they offer a discount for self-pay patients. Many doctor’s offices will offer special rates for patients who are paying cash or who do not have insurance; however, they may not advertise these rates, so it’s always a good idea to ask.

Know what you’ll pay ahead of time with Solv ClearPrice TM

According to Healthcare Finance News, more than half of Americans avoid going to the doctor when they’re sick due to high medical costs or unclear costs. Solv is committed to eliminating surprise medical bills with Solv ClearPrice™ . We partner with thousands of providers across the country who have agreed to display self-pay prices for their services. When you book an appointment on Solv, you will be able to see the self-pay price for many common services.

To schedule an appointment, search our directory for a provider in your area. Begin typing the service you are looking for, and choose from the list of options that appear. If you aren’t sure which type of doctor you need to see, you may want to try an urgent care clinic or a walk-in clinic . In many cases, you can schedule an appointment quickly and conveniently online, and many of our providers have same-day or next-day appointments available.

Frequently asked questions

What factors affect the cost of a doctor's visit, what is the average cost of a visit to the doctor’s office, are there any additional charges for new patients, where can i seek medical care if i don't have insurance, what is the self-pay price, are hospitals required to disclose self-pay prices, can i get a discount if i'm paying out of pocket, what is solv clearprice™.

Michael is an experienced healthcare marketer, husband and father of three. He has worked alongside healthcare leaders at Johns Hopkins, Cleveland Clinic, St. Luke's, Baylor Scott and White, HCA, and many more, and currently leads strategic growth at Solv.

Dr. Rob Rohatsch leverages his vast experience in ambulatory medicine, on-demand healthcare, and consumerism to spearhead strategic initiatives. With expertise in operations, revenue cycle management, and clinical practices, he also contributes his knowledge to the academic world, having served in the US Air Force and earned an MD from Jefferson Medical College. Presently, he is part of the faculty at the University of Tennessee's Haslam School of Business, teaching in the Executive MBA Program, and holds positions on various boards, including chairing The TJ Lobraico Foundation.

Solv has strict sourcing guidelines and relies on peer-reviewed studies, academic research institutions, and medical associations. We avoid using tertiary references.

• Agency for Healthcare Research and Quality: Expenses for Office-Based Physician Visits by Specialty and Insurance Type, 2016 https://meps.ahrq.gov/data_files/publications/st517/stat517.shtml
• Hospital Price Transparency, Centers for Medicare and Medicaid (2022) https://www.cms.gov/hospital-price-transparency
• More than half of Americans have avoided medical care due to cost (2019) https://www.healthcarefinancenews.com/news/more-half-americans-have-avoided-medical-care-due-cost
• telemedicine
• primary care
• healthcare costs
• health insurance
• urgent care

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