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Find eyewear covered by your insurance
Review your benefits to select products covered by your insurance.
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Direct Billing Insurance
How do I use my insurance benefits?
How to claim your insurance benefits with direct billing
First, you might want to double-check your benefits, so you know exactly what to add to your cart.
Once you’ve selected your products, log in to start your claim. We’ll just need some basic info about you and your valid prescription.
Log in to apply benefits
At checkout, select 'Apply vision insurance'.
Upload your up-to-date prescription
Provide your most recent valid prescription.
Complete your order
Pay any remaining amount after your insurance is applied.
Why use vision insurance & what it covers
Vision insurance is a cost-efficient way to receive regular eye care. Use it to reduce the cost of your prescription glasses, sunglasses, or contact lenses – it may even cover your entire order!
Glasses
Complete your frames with lenses for all vision needs, including the latest Transitions® photochromic lenses.
Contact lenses
Get a fresh perspective with our wide range of contacts and solutions.
Sunglasses
Soak up the sun! Complete your sunnies with polarized, tinted or prescription lenses.
Vision insurance providers
Click the link below to check whether your insurer is listed with us. If they aren’t, please submit your claim manually. (You can scroll below to see how to do this.) Once your order has shipped, we'll send you a receipt that you can submit to your provider.
Can I use my FSA or HSA benefits at Clearly?
How to use your FSA benefits
If you have a FSA (flexible spending account) plan, all you have to do is use your card at checkout to save. If you don’t have a card for FSA, you can submit your receipt to file a claim with your provider.
How to use your HSA benefits
If you have an HSA (health savings account) plan, you can use your HSA card at checkout to save. If you don’t have a card for HSA, you can submit your receipt to file a claim with your provider.
How to make a manual claim
If you don’t have a card for FSA or HSA, do not worry. We will email you a receipt after you have received your order,
so you can submit your receipt to file a claim with your provider. You can also get a copy of your receipt in your MyAccount.
Find your eyewear
Generally FSA and HSA will cover prescription glasses, sunglasses and contact lenses.
Complete your order
Provide your prescription and complete your order.
Wait for your receipt
Once you’ve received your order, we will email you your receipt.
File your claim
Use your receipt to claim your order manually with your provider.
START SHOPPING!
May the fun begin! Shop our wide selection of brands and bestsellers. Get stocked up on your contacts. Try out some prescription lenses! You choose; insurance pays.
FAQ - DIRECT BILLING AND INSURANCE
What is direct billing?
In most case, our team can process your direct billing vision insurance claim in-store. Please bring your insurance information and the prescription that matches the person you're claiming for.
We may not be able to accept some insurance providers for direct billing at this time, so please check which insurance providers are eligible in advance here. Rest assured: you can still submit your claim independently.
What happens if my purchase is only partially covered by my provider?
We will process your insurance coverage and apply it to your order total. If your order is not completely covered by your provider, you'll need to pay the remaining balance.
Can you check how much coverage I have?
No, we don't have access to your full insurance information so we can't tell you the details of your coverage. To find out how much coverage you have, please reach out to your provider.
Why was my claim rejected?
There are a few reasons why a claim may be rejected. Some of the most common ones are:
• Insurer details entered incorrectly
• Name on the prescription doesn't match the name of who you're claiming for
• Your provider doesn't cover you for the item(s) you're trying to claim for
If you have questions about why your claim was rejected, it's usually best to reach out to your provider directly. Our Customer Service team is also available 24/7 via live chat, email, or phone at 1-866-414-2326.
When can I shop and claim for my eyewear? Is direct billing available 24/7?
Claim processing availability times depend on your provider and their hours of operation.
Please see the complete table below and look for your provider to find out when you can process a direct billing claim:
Insurer | Claim availability hours (EST) |
Alberta Blue Cross | Monday to Friday, 10:30 am to 7:00 pm |
Beneva by La Capitale | 24/7, except during maintenance windows |
Canada Life | Monday to Friday 6:00 am to 12:00 am EST; Saturdays and Sundays 6:30 am to 10:00 pm EST |
Chambers of Commerce Group Insurance | 24/7 |
CINUP | 24/7 |
ClaimSecure | 24/7, excluding maintenance periods |
Coughlin | 24/7 |
Cowan | 24/7 |
D.A. Townley | 24/7 |
Desjardins | 24/7 |
Equitable Life | 24/7 excluding mantenance periods |
First Canadian | 24/7 |
GMS | 24/7 |
GroupHEALTH | 24/7 |
GroupSource | 24/7 |
Industrial Alliance | Monday to Friday from 6:00 am to 12:00 am; Saturday and Sunday from 6:00 am to 10:00 pm |
Johnson | 24/7 |
Johnston Group | 24/7 |
Manion | 24/7 |
Manulife | Monday to Friday 5:30 am to 12:30 am; Saturday 5:30 am to 8:00 pm; Sunday 8:00 am to 10:00 pm |
Maximum Benefit | 24/7 |
People Corporation | 24/7 |
RWAM | Daily, from 6 am to midnight ET |
TELUS AdjudiCare | 24/7 |
Union Benefits | 24/7 |
UV Insurance | 24/7 |
I'm covered under two benefit plans. Will you bill both at once?
We don't currently support secondary insurance. Please coordinate the remaining amount by filing a manual claim with your secondary insurance.
For more guidance on coordination of benefits, please see the Canadian Life and Health Insurance Association guidelines.
I’m listed as a dependent on someone else’s benefits. Can I still use direct billing?
Yes, direct billing supports claims for the following:
• Self – The claimant and the person who holds the coverage are the same person.
• Spouse – The claimant is the spouse of the person who holds the coverage.
• Child – The claimant is a child of the person who holds the coverage.
• Disabled dependent – The claimant is a disabled child of the person who holds the coverage.
• Child and part-time Student – The claimant is a part-time student at a post-secondary institution and a child of the person who holds the coverage.
• Child and full-time Student – The claimant is a full-time student at a post-secondary institution and a child of the person who holds the coverage.
• Domestic partner – The claimant cohabits with the person who holds the coverage but is not considered the person’s spouse.
For more guidance on coordination of benefits, please see the Canadian Life and Health Insurance Association guidelines."