Vision Coverage

Vision coverage under TRICARE includes medically necessary eye care services, while routine vision care and eyewear are available through the Federal Employees Dental and Vision Insurance Program (FEDVIP). Understanding the distinction between medical and routine vision care is important for maximizing benefits.

TRICARE-covered eye care (medical): • Eye exams for diagnosing and treating eye diseases • Treatment of eye conditions (glaucoma, cataracts, diabetic retinopathy) • Eye injuries and infections • Surgical procedures (cataract surgery, LASIK for active duty) • Medically necessary contact lenses (after cataract surgery) • Well-child vision screenings

TRICARE limitations on routine vision: • Routine eye exams for refraction are NOT covered for most beneficiaries • Eyeglasses and routine contact lenses are NOT covered (except for active duty) • Active duty members receive annual eye exams and eyeglasses at no cost

FEDVIP vision insurance: • Available to retirees, family members, and Reserve members • Multiple plan options from different carriers • Covers routine eye exams, glasses, and contact lenses • Enrollment during Federal Benefits Open Season • Monthly premiums required

Active duty members receive comprehensive vision care including free eyeglasses and contact lenses through their MTF optometry clinic. All other beneficiaries should consider FEDVIP for routine vision needs.