AIG Vision Insurance
How AIG Vision Coverage Works
AIG offers group vision insurance as an employee benefit. You cannot buy AIG vision coverage directly as an individual. Your employer selects the plan, and you enroll during your company's benefits period. Premiums may be employer-funded, employee-paid, or shared between both.
To qualify for coverage, you typically need to work 20 to 30 hours per week as specified by your employer. Dependents are eligible too: spouses and children up to age 19, or full-time students up to age 23.
AIG group vision insurance is administered through the EyeMed Vision Care network. This means your AIG vision plan uses EyeMed's provider list, benefit structure, and claims processing. The network includes over 30,000 providers nationwide, with access to major retail locations.
When you visit an in-network provider, you pay lower copays and receive higher allowances. Going out-of-network means lower reimbursements and higher out-of-pocket costs. Check the EyeMed provider directory to find in-network eye doctors near you.
AIG offers three plan tiers through EyeMed. The entry-level Healthy plan costs about $5 per month and focuses on discounts rather than full coverage. The mid-range Bold plan runs about $17.50 per month with standard benefits. The top-tier Bright plan costs about $30 per month and provides more extensive coverage.
Your employer selects which tiers to offer. Some companies provide all three options, while others offer only one or two. Check with your human resources department to see which plans are available to you.
What AIG Vision Plans Cover
All AIG/EyeMed plan tiers cover one comprehensive eye exam per year. In-network exams carry a $10 copay. Your exam includes visual acuity testing, a refraction to update your prescription, and a health evaluation of your eyes. Your eye doctor checks for signs of conditions like glaucoma, cataracts, and macular degeneration during this visit.
Out-of-network exams are reimbursed at a lower rate. You pay the full cost to the provider and submit a claim for partial reimbursement from EyeMed.
In-network frame allowances reach up to $130 depending on your plan tier. Standard plastic lenses carry a $20 copay. Lens upgrades like progressive lenses, anti-reflective coatings, and high-index materials cost extra beyond the standard copay.
If your frames cost more than the allowance, you pay the difference. In-network providers often offer a discount on the amount above your allowance, helping reduce your out-of-pocket cost for higher-priced frames.
AIG/EyeMed plans provide a contact lens allowance of about $105 for in-network purchases. You receive the contact lens benefit or the eyeglasses benefit for the plan year, not both. A contact lens fitting and evaluation may require an additional copay beyond the standard exam.
Out-of-network contact lens reimbursement is lower than the in-network allowance. If you order contacts online or from a provider outside the EyeMed network, your reimbursement will be reduced.
LASIK and other laser vision correction procedures are excluded from AIG vision plans. Most plans offer a discount through participating surgeons instead of direct coverage. You may receive 15% off retail pricing or 5% off promotional pricing for LASIK through EyeMed's discount program.
Medical eye conditions such as glaucoma, cataracts, and diabetic retinopathy are covered by your medical insurance, not your AIG vision plan. If your eye doctor diagnoses a medical condition during your exam, that portion of the visit may shift to your medical insurance.
Using Your AIG Vision Benefits
Search the EyeMed provider directory online or call EyeMed member services to find in-network eye doctors in your area. The network includes independent optometrists, ophthalmologists, and retail chain locations. Verify your provider's network status before your appointment to avoid unexpected costs.
You can use different in-network providers for your exam and your eyewear. For example, you might see an independent optometrist for your exam and purchase glasses from a retail location in the EyeMed network.
Schedule your annual eye exam at the start of your plan year so you can use your materials benefit when your prescription is current. If you need both glasses and contacts, use your plan benefit for whichever costs more and pay out of pocket for the other.
Ask your in-network provider about available discounts on items beyond your allowance. Many in-network locations offer percentage-off pricing on lens upgrades, second pairs, and accessories that your plan does not fully cover.
After each visit, you receive an explanation of benefits (EOB) from EyeMed showing what the plan paid and what you owe. Review this document to confirm the charges match your visit. If you see an error, contact EyeMed or your employer's benefits office to resolve it.
Keep your EOB statements for your records. They document your benefit usage for the plan year and help you track remaining allowances.
AIG Vision Plan Questions
No. AIG vision is a group benefit available only through your employer's benefits package. If you need individual vision coverage, consider standalone plans from major vision insurers that sell directly to consumers.
AIG uses the EyeMed network. Search the EyeMed provider directory with your zip code to see if your preferred eye doctor participates. If your doctor is not listed, you can still see them but your reimbursement will be at the lower out-of-network rate.
Your plan covers one or the other per benefit period. You use your materials allowance for either eyeglasses or contact lenses, not both. Choose the option that gives you the best value based on your needs and costs.
Yes, if your employer's plan includes dependent coverage. Children are eligible up to age 19, or up to age 23 if they are full-time students. You enroll your dependents during your employer's benefits enrollment period.
You pay the full cost of the visit and submit a claim for reimbursement. Out-of-network reimbursements are lower than in-network allowances. For example, your frame reimbursement may drop from $130 to $80 or less. Staying in-network saves you the most money.
AIG/EyeMed plans do not cover LASIK surgery. They offer a discount program through participating laser surgery providers. The discount typically ranges from 5% to 15% off the procedure cost. Check with EyeMed for current participating surgeons in your area.
You add dependents during your employer's benefits enrollment period. Eligible dependents include your spouse and children up to age 19, or full-time students up to age 23. Contact your HR department for the enrollment forms and deadlines specific to your company.
AIG vision insurance uses the EyeMed network and benefit structure. AIG is the insurer that offers the plan through employers, and EyeMed administers the provider network and claims. Your benefit experience, including providers, allowances, and discounts, is the same as an EyeMed plan.
Talk to Your Employer About Vision Benefits
Contact your company's human resources or benefits office to find out which AIG/EyeMed vision plan options are available to you. Enroll during open enrollment to start your coverage for the next plan year.