Last updated: March 2026
How Much Does Costco Eye Exam Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Comprehensive Eye Exam | $70 – $100 | $0 – $30 |
| Contact Lens Fitting | $40 – $80 | $0 – $40 |
| Refraction Test | $30 – $50 | $0 – $20 |
CPT/ADA Code: 92004, 92014
What Affects the Cost
- Type of provider (optometrist vs. ophthalmologist)
- Retail chain vs. private practice
- Vision insurance vs. health insurance coverage
- Geographic location
- Technology and equipment used
- Whether the condition is routine or medical
Insurance Coverage
Typical coverage: Vision insurance typically covers annual eye exams with a copay. Costco Optical is known for competitive pricing.
Vision insurance (VSP, EyeMed) covers routine eye exams ($0-$30 copay) and provides allowances for glasses ($100-$200) or contacts ($100-$200) annually. Medical eye conditions (glaucoma, cataracts, infections) are covered by health insurance, not vision insurance. The ACA mandates pediatric vision coverage.
How to Save Money
- Walmart, Costco, and America's Best offer competitive pricing
- Online retailers (Zenni, EyeBuyDirect) save 50-80% on glasses
- Vision insurance plans start at $10-$15/month
- HSA/FSA funds can cover vision expenses tax-free
- Check for free eye care programs (EyeCare America, VISION USA)
- Buy frames at one place, lenses at another for best pricing
Related Procedures & Costs
Frequently Asked Questions
No. Costco optical departments are required by law to serve non-members in most states, though a membership is needed to purchase glasses.
A Costco eye exam typically costs $60 to $100 without insurance, which is below the national average.
Costco accepts most major vision insurance plans. Check with your local store for specific plan acceptance.