Beneva (Formerly SSQ Insurance)
Beneva, formerly SSQ Insurance, offers group insurance plans that may include eligible benefits for eye examinations, prescription eyewear, lenses, and contact lenses.
Visit Beneva
Insurance & Billing
Vision Insurance & Direct Billing
Make the Most of Your Vision Benefits
At Optical Trust, we want accessing quality eyewear and eye care to be simple and convenient. We offer direct billing to many major insurance providers and benefit administrators, helping reduce paperwork and upfront costs whenever your plan allows.
Coverage differs between plans. Before your visit, we recommend contacting your insurance provider to confirm your eligibility, coverage amount, renewal date, and whether direct billing is permitted.
Contact Optical TrustOHIP-Covered Eye Exams in Ontario
The Ontario Health Insurance Plan provides eye-examination coverage to eligible Ontario residents with a valid health card. Eligibility is generally based on age and certain medical conditions.
OHIP covers one major eye examination every 12 months, along with eligible minor or follow-up assessments when required.
Adults aged 65 and older without an eligible medical condition are generally covered for one major eye examination every 18 months, plus up to two eligible minor assessments during that period.
Seniors with certain eligible medical conditions may qualify for one major eye examination every 12 months.
Adults between 20 and 64 may qualify for one OHIP-covered major eye examination every 12 months, plus up to two eligible minor assessments, if they have an eligible medical condition affecting their eyes.
Qualifying conditions may include:
- Diabetes
- Glaucoma
- Cataracts
- Retinal disease
- Corneal disease
- Optic pathway disease
- Uveitis
- Certain sudden-onset eye conditions
Eligibility depends on the specific condition and current OHIP requirements. Our team can help you understand what information may be required before your appointment.
Vision Benefits
Accepted Vision Insurance Plans
BPA Benefit Plan Administrators
BPA administers workplace and member benefit plans that may include coverage for eye examinations and prescription eyewear.
Visit BPA BenefitsCanada Life
Canada Life administers workplace and personal benefit plans that may include coverage for vision care and prescription eyewear.
Visit Canada LifeChambers Plan
Chambers Plan group benefits may include coverage for eye examinations and prescription eyewear for eligible employees and their families.
Visit Chambers PlanCINUP
CINUP provides employee benefit solutions for Indigenous organizations and communities, with eligible plans potentially including vision care.
Visit CINUPClaimSecure
ClaimSecure administers health benefit plans that may include coverage for eligible vision-care products and services.
Visit ClaimSecureCo-operators
Eligible Co-operators group benefit plans may include coverage for eye examinations, prescription eyewear, lenses, and contact lenses.
Visit Co-operatorsDesjardins Insurance
Eligible Desjardins plans may include vision-care benefits for examinations, prescription eyewear, and contact lenses.
Visit DesjardinsEmpire Life
Eligible Empire Life group benefit plans may provide coverage for eye examinations, prescription glasses, lenses, and contact lenses.
Visit Empire LifeEquitable
Equitable benefit plans may offer coverage for eye examinations, prescription frames, lenses, and contact lenses.
Visit EquitableFirst Canadian Insurance
Certain First Canadian benefit programs may provide coverage for eligible vision-care products and services.
Visit First Canadian InsuranceGlobal Benefits
Global Benefits administers employee and member benefit plans that may include coverage for eligible vision-care products and services.
Visit Global BenefitsGreenShield
GreenShield plans may provide benefits for eye examinations, prescription glasses, lenses, and contact lenses.
Visit GreenShieldGroupHEALTH Benefit Solutions
GroupHEALTH administers customized employee benefit plans that may include vision-care coverage.
Visit GroupHEALTHiA Financial Group
Certain iA Financial Group health insurance plans include vision-care benefits for eligible members and dependants.
Visit iA Financial GroupJohnston Group
Johnston Group administers employee benefit programs, including the Chambers Plan, which may provide vision-care coverage.
Visit Johnston GroupManion
Manion administers benefit plans for unions, organizations, and employer trust funds that may include vision-care benefits.
Visit ManionManulife
Eligible Manulife health benefit plans may include allowances for eye examinations, glasses, lenses, and contact lenses.
Visit ManulifeMedavie Blue Cross
Eligible plans may include benefits for eye examinations, prescription glasses, lenses, and contact lenses.
Visit Medavie Blue CrossNexgenRx
NexgenRx administers group benefit plans that may include coverage for eligible eye examinations, prescription glasses, lenses, and contact lenses.
Visit NexgenRxOntario Blue Cross
Ontario Blue Cross offers health insurance plans that may include eligible vision-care benefits, depending on the policy.
Visit Ontario Blue CrossRWAM Insurance Administrators
RWAM administers group benefit plans that may include eligible vision-care expenses.
Visit RWAMSun Life
Sun Life plans may provide coverage for eye examinations, prescription eyewear, and contact lenses.
Visit Sun LifeTELUS Health
TELUS Health provides benefits administration and claims-processing services for numerous Canadian insurance and employee benefit plans.
Visit TELUS Health
Public Programs
Government and Publicly Funded Vision Programs
Interim Federal Health Program
The IFHP provides limited and temporary health coverage to eligible individuals, including certain refugee claimants and protected persons. Eligible vision care is subject to program limits and applicable patient co-payments.
Learn About IFHP CoverageNon-Insured Health Benefits
The NIHB program provides eligible First Nations and Inuit clients with coverage for approved eye examinations and corrective eyewear.
Learn About NIHB Vision CareOntario Disability Support Program
Eligible ODSP recipients may receive assistance toward prescription eyeglasses, including approved frames and lenses.
Learn About ODSP Vision Care
Direct Billing
How Direct Billing Works
Bring Your Information
Please bring your insurance card or benefit information, valid identification, and a prescription if you already have one.
We Verify Your Plan
Our team will check whether your insurer permits direct billing and determine the amount available under your plan.
Pay Only the Remaining Balance
When direct billing is approved, you pay only the portion not covered by your plan. If direct billing is unavailable, we will provide a detailed receipt that you can submit to your insurance provider.
FAQ
Frequently Asked Questions
Yes. We offer direct billing to many major insurance providers and benefit administrators when permitted by the individual plan.
No. Coverage is determined by your insurance provider and depends on your plan, eligibility, remaining benefit balance, and applicable limitations.
Our team may be able to verify your available benefits with your insurer. Some providers restrict the information they release, so you may need to contact them directly.
Depending on your plan, coverage may include eye examinations, prescription frames, lenses, contact lenses, or lens enhancements. Limits and eligible products vary.
Coordination of benefits depends on the rules of both plans. Please bring information for the primary and secondary plans so our team can review the available options.
You can pay Optical Trust directly, and we will provide an itemized receipt for submission to your insurance provider.
Some plans cover prescription sunglasses as part of their eyewear allowance. Non-prescription sunglasses are not commonly covered, but you should confirm with your insurer.
Most plans have a defined benefit period, and unused amounts may expire rather than carry forward. Contact your insurer to confirm your renewal date and remaining balance.