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A vision savings plan (also called a vision discount plan) is a membership. You pay a small monthly or yearly fee, show your card at a participating eye doctor or optical store, and pay a lower price for your eye exam, frames or lenses. The plan doesn't pay the provider. It isn't vision insurance.
Important: a discount health care program is NOT insurance. THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. It provides discounts at participating vision providers and dentists. It does not make payments to providers; you pay the entire discounted rate. The program does not guarantee the quality of the services or products offered by individual providers. Discount program operator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034.
Why this gap matters
If you pair a virtual primary care membership with health sharing, nothing in that pair pays for your eyes. Health sharing doesn't share glasses or contacts (source), and a routine eye exam is routine care, which sharing doesn't cover either. A virtual doctor can't check your eyes over video. That's the gap a vision savings plan fills.
Plenty of Texans are looking: each month about 2,400 searches in Texas ask what an eye exam costs, and about 880 look for an eye exam without insurance (Google Ads keyword data, monthly average, November 2026).
How a discount plan differs from vision insurance
| Vision savings plan | Vision insurance (in general) | |
|---|---|---|
| Who pays the provider | You pay a lower, discounted price | The insurer pays part, often as a set allowance |
| Monthly cost | A few dollars | Usually more, unless an employer pays part |
| Frames and contacts | A discount on what you pick | Often a yearly dollar allowance; you pay above it |
| Providers | Participating providers only | Network rules vary |
| When you can join | Any month | Often only at enrollment time |
Neither one is right for everyone. If your employer offers vision insurance at a low cost, compare that first. If you buy your own health plan, or use health sharing, a discount plan is often the simplest way to keep up with eye exams and glasses.
The plan we offer
We work with Careington. Its Dental & Vision Savings Plan gives discounts on eye exams, frames and lenses, discounts on dental care, discounts on LASIK, and access to teledentistry. As of November 2026 (source):
| Who's on the plan | Monthly | Yearly |
|---|---|---|
| Member only | $9.95 | $99 |
| Member + one | $14.95 | $149 |
| Member + family | $17.95 | $179 |
There's also a one-time $20.00 processing fee, which isn't refundable. You can cancel within 30 days for a refund of the plan fee, less a small fee. Prices change, so check the current price before you join.
See Careington plans Opens Careington's site. We may be paid if you join.
Five things to check before you join
- Your eye doctor or optical store participates. Search the provider list or call and ask by plan name.
- The real price. Ask what you'd pay for an eye exam and for the frames and lenses you want. A dollar figure is more useful than a percentage.
- Contacts. If you wear contacts, ask about the contact lens exam and the price of a year's supply.
- Household price. One person is cheapest. Ask the price for everyone who needs glasses.
- Cancellation. Know the 30-day refund window and the one-time fee.
When vision insurance may be the better choice
If your employer offers vision insurance for a few dollars, it can be the better deal, especially if it gives a yearly allowance for glasses. Marketplace health plans include vision care for children, so check that if you have kids on a Marketplace plan. A discount plan never pays the provider; it only lowers what you pay.
Where it fits
Most households we help pair three things: a primary care membership for everyday care, health sharing for big unexpected bills, and a discount plan for teeth and eyes. See dental savings plans, or what the full combination costs.
Common questions
Is a vision savings plan the same as vision insurance?
No. It gives you lower prices at participating eye doctors and optical stores, and it doesn't pay them anything. THIS PLAN IS NOT INSURANCE.
How much is a vision savings plan in Texas?
As of November 2026, Careington's Dental & Vision Savings Plan is $9.95 a month for one person, $14.95 for two and $17.95 for a family, plus a one-time $20.00 fee. Yearly prices are $99, $149 and $179.
Does health sharing pay for glasses or contacts?
No. Sedera's guidelines don't share glasses or contacts, and routine eye exams count as routine care. A discount plan fills that gap.
Can I use it at any eye doctor?
Only at participating providers. Search the provider list or call the office and ask by plan name before you join.
Does it include dental?
Yes. The Dental & Vision plan also gives dental discounts, plus discounts on LASIK and access to teledentistry.
Sources
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