Vision Insurance 2026: Can You Combine Plans & Our 3-for-1 Deal?

2026-06-10

Can I Use Multiple Vision Insurance Plans with the 3-for-1 Deal?

You’re thinking smart about maximizing your savings on eyewear, and it’s a great question. Many Albertans have multiple vision insurance plans, either through employer benefits, private insurance, or a combination of both. Here's a breakdown of how those plans work with the 3-for-1 offer at Fantastic Glasses in Okotoks, and how to potentially stack your benefits for the best possible value.

Understanding Vision Insurance in Alberta

First, let’s clarify how vision insurance generally works in Alberta. Alberta Health Care only covers eye exams for children under 19 and adults 65+. For those aged 19-64, eye exams and eyewear are typically covered through private insurance plans. Most plans offer a set allowance towards either a complete pair of glasses (frames and lenses) or contact lenses, usually on a renewal cycle (every one to two years).

Many people find themselves with more than one plan. This could be through coverage from a current employer and a former employer, a spouse’s plan, or a supplemental plan you’ve purchased independently. The good news is, you can often use both!

How Does Direct Billing Work at Fantastic Glasses?

Fantastic Glasses in Okotoks offers direct billing to many major insurance providers. This means we submit your claim directly to your insurance company, so you don’t have to pay upfront and then seek reimbursement. This is a significant convenience and simplifies the process.

However, navigating multiple insurance plans requires a little coordination. Here's how it typically works:

1. Primary Insurance: We'll bill your primary insurance plan first. This is usually the plan that pays the largest portion of your benefit.
2. Secondary Insurance: Once your primary insurer has processed the claim, we can submit the remaining balance (if any) to your secondary insurance plan. They may cover a portion of what the primary plan didn’t, up to their maximum allowance.
3. Your Responsibility: You’re responsible for any amount not covered by either insurance plan.

Important Note: While we strive to make this process seamless, it's crucial to understand that insurance companies have specific rules and coordination of benefits (COB) agreements. Sometimes, they require you to submit the claim to one provider first, even if it’s not the one you intend to be primary.

Maximizing Savings with the 3-for-1 Deal

The 3-for-1 deal at Fantastic Glasses offers incredible value: three complete pairs of eyeglasses starting from $199. This is where things get interesting when combining it with insurance. Here’s how to approach it:

• Focus on Value: The 3-for-1 is designed to provide affordability. Even with insurance, consider how you can best utilize the deal. For example, one pair could be your everyday glasses, another for sports or a specific activity, and the third as a backup.
• Plan Sequencing: Discuss with both insurance providers to determine the correct order for submitting claims. Knowing their COB rules will prevent delays or denials. Ask specifically about how they handle situations where you have multiple plans.
• Upgrades and Insurance: While the base 3-for-1 price is $199, upgrading to premium frames (like those from Ray-Ban or Maui Jim) or specialized lenses (progressive, Transitions, or blue light filters) will increase the overall cost. Check with your insurance to see how much they cover for upgrades. Even with upgrades, the 3-for-1 can still provide a better overall value than purchasing a single pair with a similar level of features elsewhere.
• Insurance Coverage Limits: Be aware of the annual coverage limits of each plan. Knowing how much each plan will contribute helps you make informed decisions about frame and lens options.

Combining with Promotions: We frequently offer promotions in addition to the 3-for-1 deal. These might include discounts on specific brands or lens upgrades. These promotions can be combined* with your insurance benefits for even greater savings. Keep an eye on our [promotions page](https://fantasticglasses.ca/promotions/) to see what's currently available.

A Real-World Example

Let’s say you have two insurance plans, each with a $200 allowance for eyewear. You choose three pairs of glasses with the 3-for-1 deal, and the total cost is $600.

1. We bill your primary insurance. They cover $200, bringing the balance down to $400.
2. We bill your secondary insurance. They cover another $200, leaving you with a balance of $200.
3. You pay the remaining $200 out-of-pocket.

Where to Find More Information

• Fantastic Glasses Direct Billing: Contact us directly to discuss your insurance plans and confirm whether we bill them directly.
• Insurance Provider Websites: Visit the websites of your insurance providers to understand your specific coverage details and coordination of benefits policies.
• Alberta Health: For information regarding provincial coverage for eye exams, visit the Alberta Health website.

Ultimately, the goal is to find eyewear that you’re happy with and that meets your visual needs. Fantastic Glasses in Okotoks strives to provide quality eye care at an affordable price, and the 3-for-1 deal is a testament to that commitment.

Book an Appointment today and let our knowledgeable team help you navigate your insurance options and find the perfect eyewear solution.