A plain-English comparison of the vision plans you can buy on your own — what they cost, what you actually pay at the exam, and which one fits which kind of household. Updated for 2026.
We pulled live pricing and benefit pages from each provider and rated every plan on the things that actually affect your wallet at the optical counter.
We looked at: monthly premium, exam copay, lens copay, frame allowance, contact lens benefit, and whether you can use glasses and contacts in the same year. RMO MyVision is one of the plans we operate, and we’re upfront about that — the comparisons below use the same public pricing and terms a shopper would see going directly to each provider.
If a plan wins for a specific use case, we say so — even when it isn’t MyVision. The goal is to point each reader at the right plan, not to push every reader at one product.
Ranked by overall value for most households buying vision coverage on their own.
Entry-plan pricing and terms for each provider, pulled from public rate and benefit pages in 2026.
| Feature | RMO MyVision | VSP | EyeMed | Humana |
|---|---|---|---|---|
| Starting premium | $8/mo | $17/mo | $5/mo* | $12–$17/mo |
| Exam copay | $0 | $15 | Copay | $10 ($0 PLUS) |
| Lens copay | $0 | $25 | Copay | Copay |
| Progressive lenses | $0 | +$55 (Enhanced) | Surcharge | Surcharge |
| Anti-glare / blue-light | Included $0 | +$15 anti-glare | Surcharge | Surcharge |
| Frame allowance | $150–$400 | $150–$230 | $0–$200 | Allowance |
| Contact lens benefit | $150–$400 allowance | 15% off fitting | $20 copay / $55 allowance | Allowance |
| Glasses and contacts same year | Yes (III & IV) | No | No | No |
| LASIK benefit | Up to $1,500 allowance | % discount | % discount | % discount |
| Waiting period | None | None | Varies | None |
*EyeMed Healthy at $5/mo is a discount plan with no frame allowance. Competitor figures reflect public rate and benefit pages for individual self-purchase plans as of 2026 and vary by state, plan level, and provider; see each provider’s site for current terms. MyVision pricing requires an active RMO membership.
