Insurance & Coverage
Direct Billing — Your Vision Benefits, Put to Work
We partner with most major Canadian extended health benefit providers and offer direct billing so you can focus on your eye care — not the paperwork. Bring your insurance card and we will handle the rest.
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- Bring your benefits card on the day of your visit
- We verify coverage and submit your claim directly
Use Your Vision Benefits
Most extended health benefit plans include some form of vision care coverage — but many patients are unsure exactly what they are entitled to or how to use it. Vision care coverage typically means one full comprehensive eye exam every one or two years, plus an allowance toward prescription eyewear or contact lenses. We work directly with your insurer on your behalf, so there is no need to submit claims yourself or pay out of pocket for covered services.
What Your Vision Plan Typically Covers
Coverage varies by plan, but most employer-sponsored group benefit plans in Canada include some combination of the following. Bring your insurance card and our team will confirm your exact entitlements before anything is finalized.
Comprehensive Eye Exams
Most plans cover one full comprehensive eye exam every one to two years for adults. In Ontario, OHIP also covers annual exams for children under 20 and adults 65 and over, as well as patients with certain medical conditions. Both OHIP and private coverage are accepted.
Eyeglass Frames & Lenses
Most plans include an annual or biennial allowance toward prescription frames and lenses — often extending to upgrades such as progressives, anti-reflective coatings, high-index lenses, blue-light filtering, and photochromic (Transitions®) lenses.
Contact Lenses & Fitting Fees
Many plans include a contact lens allowance and also cover the fitting fee — a benefit patients frequently forget to claim. We apply both automatically where your plan allows.
Specialty Services
Some extended health plans offer coverage for services such as dry eye treatment. Ask us about your plan's coverage when you book — we will confirm what applies before your visit.
How Direct Billing Works
Our team handles every step of the direct billing process — from verification to submission. Here is exactly what to expect.
- 1
Book Your Appointment
Schedule online or by phone at (416) 221-8833. Let us know you plan to use your benefits when booking and we will ensure everything is ready for your visit.
- 2
Bring Your Insurance Card
Or have your group plan number and policy ID ready. That is all we need — no pre-authorization, and no need to contact your insurer in advance.
- 3
We Verify Your Coverage
Before your exam or purchase begins, we confirm what is covered under your plan, your remaining benefit limits, and whether any co-pay applies. You will know exactly where you stand before anything starts.
- 4
We Submit the Claim Directly
We submit your claim to your insurance provider in real time, at point of sale. No paperwork on your end — not a single form.
- 5
You Pay Only Your Portion
If there is a remaining balance after your benefit is applied, we communicate it clearly before finalizing your visit. No surprises at the counter. Ever.
Insurance Providers We Work With
Eye Story Optical currently offers direct billing to the following Canadian insurance providers.
Don't see yours? Call us at (416) 221-8833 — we may still be able to help.
Don't see your provider? Call us at (416) 221-8833 — we may still be able to help.
Confirm Your Coverage Before You Visit
Bring your insurance card — we verify your benefits and submit your claim directly. No paperwork, no surprises.
Good to Know
FAQ — Direct Billing & Insurance for Eye Care in Toronto
Have a question we didn't answer? Contact us — we're happy to help.
Contact UsDirect Billing Basics
What's Covered
Out-of-Pocket & Benefits Timing
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