Advantica Vision vs. Ameritas Vision: Which Affordable Vision Plan Fits You Best?

Provider Network & Retail Partners

Advantica Vision:

• National network of over 23,000 vision care providers

• Primarily independent optometrists and ophthalmologists

• Some access to retail chains depending on plan and region

Ameritas Vision:

• Uses either the VSP or EyeMed networks

• Access to 100,000+ providers nationwide

• Major retail partners include LensCrafters, Target Optical, Walmart Vision Center, Pearle Vision, and more

Pricing & Premiums

Advantica Vision:

• Pricing varies by employer/group contract

• Estimated group plan costs: ~$6–$15/month

• Exam copays: ~$10–$20

• Material copays and frame allowances vary by group

Ameritas Vision:

• Individual plans available starting at $10–$18/month

• Exam copay: ~$10

• Materials copay: ~$25

• Frame allowance: typically $130–$150/year

• Options for more frequent benefits or lower out-of-pocket costs with premium plans

Ease of Use & Enrollment

Advantica Vision:

• Enrolled through employer or sponsoring organization

• Online member portal available for provider lookup and benefit tracking

• Paperless claims processing for in-network providers

Ameritas Vision:

• Simple online enrollment for individuals and families

• User-friendly portal for benefits, digital ID cards, claims, and provider directory

• Can bundle with Ameritas dental for added savings

Extras & Discounts

Advantica Vision:

• Discounts on LASIK through national partners

• Additional savings on lens upgrades and extra eyewear

• Some plans include breakage warranties on frames and lenses

Ameritas Vision:

• LASIK discounts through QualSight or similar networks

• 20%–40% off second pair of glasses

• Discounts on hearing care (with some bundled plans)

• Enhanced options through EyeMed/VSP lens technology partners

Best For…

• Advantica Vision: Best for employer-based groups, union members, or associations looking for affordable coverage with essential benefits and a reliable network.

• Ameritas Vision: Best for individuals and families who want flexible, affordable coverage, access to retail chains, and optional bundling with dental.

Pros and Cons

Advantica Vision Pros:

• Employer-based value and simplicity

• In-network savings and provider flexibility

• Pediatric benefits available through some plans

• Breakage warranties and solid core benefits

Cons:

• No direct-to-consumer individual plans

• Smaller provider network compared to national carriers

Ameritas Vision Pros:

• Individual, family, and group plans available

• Huge provider network (VSP or EyeMed)

• Easy online enrollment and digital access

• Popular retail access

Cons:

• Some plans may have longer waiting periods for certain services

• Out-of-network reimbursement may be limited

Final Verdict: Which One Should You Choose?

Choose Advantica Vision if:

• You have access to it through your employer, union, or association

• You want a straightforward, low-cost plan with essential benefits

Choose Ameritas Vision if:

• You’re an individual or family seeking direct enrollment

• You want access to major retailers and a large national network

• You value bundling dental and vision in one place

Both providers offer excellent value—Advantica excels in group simplicity, while Ameritas wins in flexibility and availability for individuals.

How to Get a Quote or Enroll

• Advantica Vision: Visit advanticabenefits.com or speak with your HR or benefits administrator to see if your employer offers coverage.

• Ameritas Vision: Visit ameritas.com and choose “Vision Insurance” to explore and enroll in individual or family plans online.