TRICARE and Luxottica: Vision Benefits & EyeMed Guide

## Quick answer While TRICARE does not contract directly with Luxottica as a corporate entity, it partners with **EyeMed Vision Care**, which is owned by Luxottica. If you have the TRICARE federal vision supplement (FEDVIP), you likely use the Luxottica/EyeMed network to access vision exams and discounts on frames at retailers like LensCrafters, Target Optical, and Pearle Vision.

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program. For official policy, visit TRICARE.mil.*

In detail

To understand how Luxottica interacts with TRICARE, you must distinguish between **medical eye care** (covered by TRICARE) and **routine vision hardware** (covered by FEDVIP). Luxottica is the world’s largest eyewear company and owns both the vision insurance provider **EyeMed** and major retail chains.

### The EyeMed Connection Most TRICARE beneficiaries seeking routine vision insurance—such as coverage for designer frames or contact lenses—do so through the **Federal Employees Dental and Vision Insurance Program (FEDVIP)**. As of 2026, EyeMed (a Luxottica company) is one of the primary carriers for FEDVIP.

If you choose an EyeMed plan under FEDVIP, you are using the Luxottica ecosystem. This grants you access to: * **Retail Brands:** LensCrafters, Pearle Vision, and Target Optical. * **Online Portals:** Glasses.com and Ray-Ban.com. * **Frame Brands:** Oakley, Ray-Ban, Coach, and Prada.

### TRICARE Medical vs. Luxottica Retail Standard TRICARE plans (Prime and Select) have narrow rules for vision: * **Active Duty:** Routine eye exams are covered at military clinics or via referral. Hardware (glasses) is provided by the military. * **Retirees and Dependents:** Routine exams are covered based on plan type, but TRICARE does **not** pay for frames or lenses for these groups. This is why many enroll in EyeMed (FEDVIP).

## Who this applies to * **Active Duty Family Members (ADFMs):** Can use Luxottica retailers if enrolled in FEDVIP to supplement their TRICARE coverage for frames and lenses. * **Retirees and their Families:** The primary group utilizing Luxottica/EyeMed networks for routine vision care, as TRICARE Select and Prime do not cover retiree glasses. * **TRICARE Reserve Select (TRS) Members:** Also eligible to enroll in EyeMed through FEDVIP for vision hardware coverage. * **Active Duty Service Members (ADSMs):** Least affected, as they must generally get glasses through military Optometry and the Optical Fabrication Enterprise (OFE).

Common scenarios

### Scenario 1: A Retiree at LensCrafters (2026) John, a Navy retiree on TRICARE Select, wants new Oakley frames. TRICARE Select pays $0 toward frames. However, because John enrolled in the EyeMed FEDVIP High Plan, he goes to **LensCrafters** (a Luxottica store). He gets a $200 frame allowance and pays a $15 copay for lenses. His total out-of-pocket is significantly lower than the $450 retail price.

### Scenario 2: Active Duty Spouse Online Sarah is a TRICARE Prime enrollee. She needs new contacts. She uses her EyeMed FEDVIP coverage on **Glasses.com** (Luxottica-owned). She uses her 2026 $150 contact lens allowance to cover the majority of her six-month supply, paying only the remaining balance.

## Related terms * **FEDVIP:** The Federal Employees Dental and Vision Insurance Program, the vehicle through which TRICARE beneficiaries buy vision insurance. * **EyeMed:** The specific vision insurance subsidiary of Luxottica that manages many federal vision plans. * **BENEFEDS:** The official government portal used to enroll in FEDVIP vision plans. * **OFE (Optical Fabrication Enterprise):** The military's internal lab that creates glasses for active duty members (Standard Issue "BCGs"). * **TRICARE Select:** A PPO-style plan where beneficiaries often need supplemental vision insurance for hardware.

## Sources * **TRICARE Vision Overview:** https://www.tricare.mil/vision * **BENEFEDS (FEDVIP Enrollment):** https://www.benefeds.com * **EyeMed Federal/FEDVIP Portal:** https://eyemedfederal.com * **Defense Health Agency (DHA):** https://health.mil