Individual Enrollment

Heritage offers individual and family plans for vision care.

Healthy vision has a long-lasting effect on quality of life, yet many Americans lack vision insurance options under their current health plans. These often include contractors, the self-employed, and those without vision as part of a standard benefits package. Our individual vision plan for adults and families fills the gap with enrollment periods throughout the year.

Are you ready to sign up for vision insurance?

Enroll Today

Why Enroll

Eye exams are an important part of overall health. Eyes are windows to the soul. Many pathologies can be detected through an eye exam, making regular appointments an essential component of overall physical health.
Vision insurance can save you hundreds of dollars a year. Insured benefits offer 50–60% off retail prices with minimal co-pay. Vision is one benefit that can prove its worth.
Changes in eye health can be hard to spot! Do you notice yourself squinting? Are you experiencing headaches? Do your eyes feel tired at the end of the day? Time to get your eyes checked!
Enjoy contacts, eyewear or both! Choose what vision plan is right for you! Only ever wear contacts and never glasses—or vice versa? Not a problem! Like the flexibility of switching between the two? Pick the plan that offers both!

Choosing Your Plan!

Heritage provides greater flexibility, with a Core plan that covers either eyewear or contacts, and an Enhanced plan that covers both. Compare our plans.

Both our plans offer 20% off on special lens options, such as transition, polarization, and hi-index, as well as 20% off on additional eyewear, sunglasses, and allowance overages.

To learn more, download our Benefits At A Glance (BAAG) brochures.

Download the Insight Core Brochure

Download the Insight Enhanced Brochure

Individual Plans	Insight Core	Insight Enhanced
COST	Starting At $9.88/mo.	Starting At $15.18/mo.
Eye Exam	$10 Co-Pay	$10 Co-Pay
Service Frequency	Every 12 Months	Every 12 Months
Contact Lenses
Standard Contact Fitting	$25 Co-Pay	$10 Co-Pay
Contact Allowance	$130 Frames OR Contacts	$150 Frames AND Contacts
Frames & Lenses
Frame Allowance	$130 Frames OR Contacts	$150 Frames AND Contacts
Single Vision, Bifocal, and Trifocal	$25 Co-Pay	$10 Co-Pay
Progressive Standard	$60 Co-Pay	$10 Co-Pay
Lens Options
Anti-Reflective Coating	20% Discount	100% Covered
Polycarbonate, Child (0–19)	20% Discount	100% Covered
UV Coating	20% Discount	100% Covered
Coverage
Out of Network	Available	Available

Heritage Vision Provider Network

We’ve built our provider network from the ground up. Our years of cultivating relationships have helped guarantee the quality of the services our members receive. And with over 31,000 providers nationwide, you can rest assured that there’s a qualified eye doctor at hand to look after your needs. Use our search tool and select “National Network” as your provider network to find a provider near you.

Search Providers

Frequently Asked Questions

How do I know I need vision insurance?

You never know when you or one of your dependents may experience vision loss. Vision insurance has your back, and can even help you detect health conditions early through regular screening.
What can I expect as a member?

See our Member FAQs for additional insight on plan benefit usage.
Is there a waiting period?

For individual insurance plans, enrollment is all year! Enroll before the 25th of any calendar month to receive vision coverage starting on the 1st of the following month. So if you enroll on June 24th, coverage will start on July 1st. If you enroll on June 25th, coverage will start August 1st.
Who can buy this plan?

Currently, our individual insurance plan is open to all residents of Michigan.
Who is covered by my vision insurance?

We currently offer plans for both individuals and families. Consult our plan offerings for more details.
What does vision insurance cover?

In any twelve-month period, with applicable Co-Pays, our Core vision plan will cover an eye exam, and either one pair of eyeglasses or contacts; our Enhanced vision plan will cover both eyeglasses and contacts.
How much does the individual plan cost?

Both plans have the option of either an annual or a monthly rate. Insight Core starts at $9.19/mo. (if paid in full for all twelve months at the time of enrollment) or starts at $9.88/mo. (if paid monthly). Insight Enhanced starts at $14.12/mo. (if paid in full for all twelve months at time of enrollment) or starts at $15.18/mo. (if paid monthly).
Where can I use my benefits?

We partner with a broad network of retailers such as Visionworks, MyEyeDoctors, Wal-Mart Vision Center, and Target Optical, as well as hundreds of local providers nationwide. Explore our Provider Search Tool by selecting “National Network” as your network to find a doctor in your area.

Heritage Offers Ancillary Benefits

Lasik

Through our partnership with the National LASIK Network, Heritage members can receive a free LASIK eye exam and save up to $800 or 15% on eye surgery at over 700 locations nationwide.

Amplifon

Did you know that one in nine Americans suffers from hearing loss? Our partnership with Amplifon makes hearing care more accessible and affordable to our members. Find a provider near you.

Vision Care for Contractors, the Self-employed, and Others.

While vision insurance is frequently offered as part of a benefits package at large companies, millions of Americans fall outside this category. Whether you are a part-time employee, a freelancer, a member of the gig economy, or someone dreaming of leaving your current job to start your own business, vision care does not need to be tied to your employment status.

About Heritage

Born and bred in Detroit, we are a minority-owned, veteran-owned, and woman-led vision benefits administrator with ties in our community that go back nearly fifty years. We are small but mighty, with the flexibility to meet individual needs both large and small, and a committed support team who will actually pick up the phone when you call.

Our roots have instilled in us an awareness of the value of giving back. That’s why we developed an eye health program in partnership with local school districts to provide free eye exams and glasses to disadvantaged children. We also fund more than a dozen local and national programs, including National Kidney Foundation of Michigan, University of Detroit Mercy Scholarship Fund, NAACP Fight for Freedom Fund, and Detroit Meals on Wheels.

From individuals to employers, we’re here to work with you. Contact us today to get started.