HFX Vision Rider Plan From The Patient Freedom Vision Network

Individual Dental PPO Insurance - Vision Rider

Dental insurance offers an optional vision rider to help pay for eye exams and materials, such as glasses and contact lenses. This coverage can help you maintain healthy vision and overall wellness, as well as provide valuable financial protection for you, your spouse and dependent children.

Freedom of choice

You’ll have access to a national vision network that includes independent optometrists, ophthalmologists and retail stores including Walmart, Sam’s Club Optical, Costco,3 Pearle Vision and Target. You can search for providers at hfxinsurance.com/vision-provider-search.php.

Additional vision benefit advantages

  • Eye exams and materials (frames, lenses) can be purchased from different locations and providers. For example, you could have an eye exam with your favorite eye care professional and order contacts online.
  • Check the network for Value Added and Service Plus providers. They can provide special discounts for extra purchases of lenses and coatings, frames, contact lenses and other products.

Special discounts on material purchases4

Providers identified as Value Added or Service Plus in our online provider directory offer the following additional values for our members on vision material purchases.

We encourage you to contact your selected provider prior to visiting their location to confirm their continued participation. Not all providers, such as Walmart, Sam’s Club and Costco Optical,3 choose to participate in these special discounts.

Lens options: (add-ons for insured purchases)

  • UV coating...$15
  • Solid tinting/gradient tinting...$15
  • Standard scratch resistance coating...$15
  • Standard anti-reflective coating...$45
  • Premium anti-reflective coating...$70
  • Ultra anti-reflective coating...20% discount
  • Polarized...$75
  • Transition...$75
  • Progressing Lenses:
    • Standard...$110
    • Premium...$170
    • Ultra...member receives a 20% discount
  • Standard polycarbonate...$40
  • High index (single vision)
    • 1.56-1.60...$60
    • 1.66+...20% discount
  • High index (multi-focal)
    • 1.56-1.60...$75
    • 1.66+...20% discount


  • Single vision plastic lenses...$40
  • Bifocal plastic lenses...$60
  • Trifocal lenses...$70
  • Progressing lenses (standard)...$110
  • Progressive lenses (Premium and ultra)...20% discount

  • Frames - Up to 35% discount
  • Contact lenses - 5-15% discount, depending on type
  • Other products - 20% discount on non-prescription sunglasses and other ancillary products/solutions5

  • UV coating
  • Solid tinting/gradient tinting
  • Standard scratch resistance coating
  • Standard anti-reflective coating
  • Premium anti-reflective coating
  • Transition
  • Standard polycarbonate

Customer service

At HFX Insurance, serving you is our specialty. When you purchase an HFX Insurance dental vision rider plan, you have access to our dental and vision customer service department six days a week at 888-400-9304 or 24/7 at hfxinsurance.com.

1 Eyeglass lenses and frames are paid in lieu of the contact lenses benefit.

2 The contact lenses benefit is paid in lieu of eyeglass lenses and frames. Contact lenses consist of three components: materials, exams and fittings. Coverage is for materials and the exam, up to the contact lenses allowance. Fittings may be covered but only up to the amount of any unused contact lenses allowance –after materials.

3 Optometrists at Costco Optical outlets are independent of Costco and may not be in network. To verify that your vision exam will be fully covered after co-pay, confirm that your doctor is an in-network provider. Special payment and reimbursement terms apply for material purchases at Costco. Additional discounts are not applicable.

4 Not a covered benefit. These schedules are subject to change without notice. Added value discounts may not be available in all geographical areas and vary by network. Many providers are not able to offer discounts on “Prestige” frames. Special lens packages that combine numerous lens enhancements at value price points are not covered by these added value programs. Cannot be combined with any other promotions or discounts.

5 Some retail chains sell sunglasses in departments outside of their optical shops where discounts do not apply.

The policy or its provisions may vary or be unavailable in some states. The policy had exclusions and limitations, which may affect any benefits payable. See the actual policy or your Colonial Life benefits counselor for specific provisions and details of availability.

Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC ©2018 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company.