Costco Optical Insurance Accepted: Plans, Acceptance Policy Detailed

Short Answer: Costco Optical locations accept several types of vision insurance, including major national providers like Davis Vision, FEP BlueVision, MESVision, Spectera, VBA Vision, and VSP. However, keep in mind that optometrists at Costco are independent doctors who are not employed by Costco and may not accept insurance for eye services. Costco does not accept insurance online. For more details, see below.

The List of Costco Optical Insurance Accepted

Costco Wholesale accepts most vision insurance plans at its in-store optical centers. However, you must be a Costco member to visit a Costco Optical center. Costco does not accept insurance for online orders of contact lenses or sunglasses, and it does not sell prescription eyeglasses online.[1]

We researched insurance providers’ websites and contacted Costco Optical centers in Arizona, Florida, Illinois, New York, Ohio, Oregon, Pennsylvania, Texas, and Washington to confirm that Costco takes the following national vision insurance plans:

About 10% of the Costco Optical centers we contacted said their eye doctors do not accept insurance. Optometrists at Costco are independent doctors who are not employed by Costco, so they can choose whether or not to accept insurance for their optical services. Products like glasses and contacts, however, can always be billed through insurance. Before booking an appointment, you may want to contact your local Costco to find out if the eye doctor at your intended location accepts your insurance plan.

Costco Optical centers also suggest contacting your vision insurance provider to make sure Costco is in-network.

Vision Insurance Not Accepted at Costco

In the course of our research, we were unable to find any Costco Optical locations that accept the following insurance plans:

  • Aetna
  • EyeMed Vision Benefits
  • Humana
  • TRICARE

Note that insurance acceptance can vary by location, so your local store may take additional insurance plans; contact your nearest Costco Optical for details.

More Information

For more about Costco Optical, you can check out our related research on how long it takes to get glasses from Costco. We also have the details about Costco’s return policy on glasses.

For an alternative to Costco Optical centers, we also have the details on insurance accepted at Sam’s Club Optical Centers.

18 comments

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, Patricia! Unfortunately, the Costco Optical locations we checked do not accept Humana, but you may still want to contact your local Costco Optical to check — insurance acceptance can vary by location. To help you find a covered provider in your area, Humana also offers a vision provider finder tool online. (Just select “Vision” from the “Search type” drop-down menu.) Best of luck!

  • Tim Elsen says:

    How long does processing online membership take? Does Costco Optical accept MetLife insurance?

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, Tim! If you purchase a Costco membership online, you will receive your member number as soon as your payment processes — usually within a day. Costco will not mail your membership card; instead, just bring the confirmation email and your ID to the membership counter at a Costco store to receive your card.

      Costco Optical does accept MetLife vision insurance at some locations. We have updated our article to include this information. However, to confirm whether your location accepts it, you will need to contact your local Costco or check the MetLife provider search.

      Best of luck!

  • Jerry Hazen says:

    I have had cataract surgery and I have UnitedHealthcare AARP MedicareComplete Plan 3 (HMO). My plan says new lenses required after my surgery are a zero co-pay. Does Costco accept this insurance for glasses?

      • Lindsey Desmet says:
        First Quarter Finance logostaff

        Hello, Kate! The Costco locations we contacted do not take Aetna; we also checked Aetna’s provider finder and were unable to find any Costco locations that take it. However, as noted in our research, accepted plans can vary by location. You may want to contact your local Costco store or, to find a nearby alternative, use Aetna’s provider finder. Best of luck!

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, James! The Costco Optical centers we checked do accept Superior Vision; we’ve updated the article to include this information. However, note that Costco’s optometrists are independent, so insurance acceptance will vary by location. You may want to call your local Costco or check Superior Vision’s provider locator before visiting.