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MetLife Federal Vision

2026 Plan Details

Choose the option that works best for you.

Save more & simplify by staying in network – with either plan option.

Your fees for service will be lower in network.
Your claims will be submitted by your provider.
Simply pay your copay if applicable and any amount over your allowance at time of service, and we’ll handle the rest.

		IN-NETWORK BENEFITS
		STANDARD OPTION		HIGH OPTION
Covered Services and Eyewear		Plan Coverage or Allowance	Your Copay	Plan Coverage or Allowance	Your Copay
Eye Exam One per calendar year		Fully covered	$0	Fully covered	$0
Retinal Screening		Fully covered after copay	Up to $39	Fully covered after copay	Up to $39
Prescription Eyewear: Eyeglasses or Contact Lenses - One pair per calendar year
Frames for Eyeglasses	Featured Brands Standard Brands Costco, Walmart or Sam’s Club	$190 $150 $85	$20	$250 $200 $200	$0
Lenses for Eyeglasses	Single vision, lined bifocal, lined trifocal and lenticular glasses/lenses	Fully covered after copay	$20	Fully covered	$0
Contact lenses (instead of eyeglasses)	Fitting and Evaluation Lenses — Medically necessary Lenses — Elective	$120 Fully covered after eyewear copay	Up to $55	$150 Fully covered after eyewear copay	Up to $55
Lens Enhancements
Progressive Lenses	Standard Premium Custom	Fully covered after copay	$0 $95 - $105 $150 – $175	Fully covered after copay	$0 $95 - $105 $150 – $175
Anti-Reflective	Independent Provider Retail Provider		$41 – $85		$26 – $70 $41 – $85
Scratch-Resistant			$0		$0
Impact-Resistant Lenses (children and adults)			$0		$0
Ultra-Violet Protection			$0		$0
Tints			$0 – $17		$0
Photochromic Lenses (light indoors, dark outdoors)			$75		$75

This summary provides an overview of each plan’s benefits. Specific can be found in our Federal Vision Plan Brochure.

		IN-NETWORK BENEFITS
		STANDARD OPTION		HIGH OPTION
Covered Services and Eyewear		Plan Coverage or Allowance	Your Copay	Plan Coverage or Allowance	Your Copay
Eye Exam One per calendar year		Fully covered	$0	Fully covered	$0
Retinal Screening		Fully covered after copay	Up to $39	Fully covered after copay	Up to $39
Prescription Eyewear: Eyeglasses or Contact Lenses - One pair per calendar year
Frames for Eyeglasses	Featured Brands Standard Brands Costco, Walmart or Sam’s Club	$190 $150 $85	$20	$250 $200 $200	$0
Lenses for Eyeglasses	Single vision, lined bifocal, lined trifocal and lenticular glasses/lenses	Fully covered after copay	$20	Fully covered	$0
Contact lenses (instead of eyeglasses)	Fitting and Evaluation Lenses — Medically necessary Lenses — Elective	$120 Fully covered after eyewear copay	Up to $55	$150 Fully covered after eyewear copay	Up to $55
Lens Enhancements
Progressive Lenses	Standard Premium Custom	Fully covered after copay	$0 $95 - $105 $150 – $175	Fully covered after copay	$0 $95 - $105 $150 – $175
Anti-Reflective	Independent Provider Retail Provider		$41 – $85		$26 – $70 $41 – $85
Scratch-Resistant			$0		$26 – $70 $41 – $85
Impact-Resistant Lenses (children and adults)			$0		$0
Ultra-Violet Protection			$0		$0
Tints			$0 – $17		$0
Photochromic Lenses (light indoors, dark outdoors)			$75		$75

This summary provides an overview of each plan’s benefits. Specific can be found in our Federal Vision Plan Brochure.

		IN-NETWORK BENEFITS
		STANDARD OPTION		HIGH OPTION
Covered Services and Eyewear		Plan Coverage or Allowance	Your Copay	Plan Coverage or Allowance	Your Copay
Eye Exam One per calendar year		Fully covered	$0	Fully covered	$0
Retinal Screening		Fully covered after copay	Up to $39	Fully covered after copay	Up to $39
Prescription Eyewear: Eyeglasses or Contact Lenses - One pair per calendar year
Frames for Eyeglasses	Featured Brands Standard Brands Costco, Walmart or Sam’s Club	$190 $150 $85	$20	$250 $200 $200	$0
Lenses for Eyeglasses	Single vision, lined bifocal, lined trifocal and lenticular glasses/lenses	Fully covered after copay	$20	Fully covered	$0
Contact lenses (instead of eyeglasses)	Fitting and Evaluation Lenses — Medically necessary Lenses — Elective	$120 Fully covered after eyewear copay	Up to $55	$150 Fully covered after eyewear copay	Up to $55
Lens Enhancements
Progressive Lenses	Standard Premium Custom	Fully covered after copay	$0 $95 - $105 $150 – $175	Fully covered after copay	$0 $95 - $105 $150 – $175
Anti-Reflective	Independent Provider Retail Provider		$41 – $85		$26 – $70 $41 – $85
Scratch-Resistant			$0		$26 – $70 $41 – $85
Impact-Resistant Lenses (children and adults)			$0		$0
Ultra-Violet Protection			$0		$0
Tints			$0 – $17		$0
Photochromic Lenses (light indoors, dark outdoors)			$75		$75

This summary provides an overview of each plan’s benefits. Specific can be found in our Federal Vision Plan Brochure.

Value-Added Protection – in Both Plans

Benefit

KidsCare^SM

Additional protection for dependents under age 18:

One additional comprehensive eye exam per calendar year
One additional pair of lenses or contacts per calendar year, if needed; minimum prescription change required
Copay may apply

LightCare

Additional protection against UV or blue light exposure¹:

Apply your frame allowance toward non-prescription sunglasses or blue light filtering glasses¹
Service intervals for frames and lenses apply

Diabetic Eyecare Plus^SM Program

Additional protection for those with diabetes, glaucoma or age-related macular degeneration:

Retinal screening for those with diabetes who don’t show signs of diabetic eye disease
Additional exams & services to treat certain immediate vision issues or monitor ongoing conditions such as dry eye, diabetic eye disease, glaucoma, and more
Exam covered in full after $20 copay; special ophthalmological services covered in full

Low Vision

Additional protection for those who are not legally blind but whose eyesight cannot be corrected to 20/70 with the use of optical lenses; requires pre-authorization:

Supplemental tests: Two within a two-year period fully covered up to the plan maximum
Supplemental aids: 75% of the allowable charge covered every two years up to the plan maximum
Plan maximum: $1000 every two years

Extra Savings^² – in Both Plans

Benefit

Featured Frame Brands

An extra $20 to spend on top of your frame allowance for Featured Frame Brands^³

Additional Eyewear

20% off on unlimited additional pairs of prescription or non-prescription sunglasses including lens enhancements^⁴
Other promotional offers may also be available

Laser Vision Correction

15% average savings off the regular price or 5% off a promotional price for laser surgery including PRK, LASIK and custom LASIK⁵
Available only at participating locations

Other Lens Enhancements

20–25% average savings on all other lens enhancements⁴

Out-of-Network Care

For services received out of network, you’ll be partially reimbursed as shown here.
Simply pay your bill at time of service and submit a claim. For more details, view our Federal Vision Plan Brochure.

Covered Services & Eyewear	Plan Reimbursement Amount
Eye Exam	Up to $45
Frames	Up to $70
Lenses - Single Vision	Up to $45
Lenses - Lined Bifocal	Up to $65
Lenses - Lined Trifocal	Up to $85
Lenses - Lenticular	Up to $125
Contact Lenses - Necessary	Up to $210
Contact Lenses - Elective	Up to $105

This summary provides an overview of each plan’s benefits. Specific can be found in our Federal Vision Plan Brochure.

Covered Services & Eyewear	Plan Reimbursement Amount
Eye Exam	Up to $45
Frames	Up to $70
Lenses - Single Vision	Up to $45
Lenses - Lined Bifocal	Up to $65
Lenses - Lined Trifocal	Up to $85
Lenses - Lenticular	Up to $125
Contact Lenses - Necessary	Up to $210
Contact Lenses - Elective	Up to $105

This summary provides an overview of each plan’s benefits. Specific details regarding these provisions can be found in our Federal Vision Plan Brochure.

Covered Services & Eyewear	Plan Reimbursement Amount
Eye Exam	Up to $45
Frames	Up to $70
Lenses - Single Vision	Up to $45
Lenses - Lined Bifocal	Up to $65
Lenses - Lined Trifocal	Up to $85
Lenses - Lenticular	Up to $125
Contact Lenses - Necessary	Up to $210
Contact Lenses - Elective	Up to $105

This summary provides an overview of each plan’s benefits. Specific details regarding these provisions can be found in our Federal Vision Plan Brochure.

Eligible to enroll outside of Open Season?

Enroll by phone at 1-877-888-FEDS

PLAN DOCUMENTS

2026 Federal Vision Plan Highlights

2026 Federal Vision Plan Brochure

Identity & Fraud Protection Highlights

Stay up to date on MetLife Federal Benefits

¹ Lab-fabricated Plano lenses are not covered.

² Discount off retail. Not all providers participate in vision program discounts, including the member out-of-pocket features. Call your provider prior to scheduling an appointment to confirm if the discount and member out-of-pocket features are offered at that location. Discounts and member out-of-pocket are not insurance and subject to change without notice.

³ Available at some in-network providers. For a list of participating providers with Featured Frame Brands, use the Find a Vision Provider tool at metlife.com or through MyBenefits. Select Find a Vision Provider, choose VSP Choice as the network, complete the information requested and hit the Search button. Please contact the provider to confirm availability of Featured Frame Brands before your visit.

⁴All lens enhancements are available at participating private practices. Maximum copays and pricing are subject to change without notice. Please check with your provider for details and copays applicable to your lens choice. Please contact your local Costco, Walmart or Sam’s Club to confirm availability of lens enhancements and pricing prior to receiving services. Additional discounts may not be available in certain states.

⁵ The VSP Choice network allows you to access discounted laser correction services. May not be available in all states or regions. Custom LASIK coverage only available using wavefront technology with the microkeratome surgical device. Other LASIK procedures may be performed at an additional cost to the member. Additional savings on laser vision care is only available at participating locations. Not everyone will qualify for LASIK surgery. Results will vary. Please discuss outcomes with your eye care provider.

Like most group benefits programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods, and terms for keeping them in force. Please view the 2026 MetLife Federal Vision Plan Brochure for cost and complete details.

Benefits are underwritten by Metropolitan Life Insurance Company, New York, NY (MetLife). Certain claim and network administration services are provided through Vision Service Plan, Rancho Cordova, CA (VSP). VSP is not affiliated with MetLife or its affiliates.

Welcome

2026 Plan Details

Benefit

Benefit

Quick Links

Eligible to enroll outside of Open Season?

PLAN DOCUMENTS

2026 Federal Vision Plan Highlights

2026 Federal Vision Plan Brochure

Identity & Fraud Protection Highlights

Stay up to date on MetLife Federal Benefits