Information provided is current as of date of publication 09/2026.

Reference: https://nafhealthplans.com/explore-benefits/vision-benefits

If you’re enrolled in a DoD NAF medical plan through Aetna, you have a vision benefit built in. This information can be found at https://nafhealthplans.com\explore-benefits\vision-benefits. This site includes access to the Aetna Vision Claim Form should your provider not automatically apply your benefits.

Your Aetna vision benefit offers more than just an eye exam — it provides coverage for hardware (frames and lenses or contacts), pediatric vision protection (up to age 22), access to Health Care FSA (HFSA) savings, and additional discounts through LifeMart.

Together, these features are designed to help you protect your eye health while stretching your dollars. Taking advantage of both the medical plan benefit and the LifeMart discount program is a smart way to reduce out-of-pocket costs for you and your family.

Key Points

  • In-network providers: In-network providers generally charge less than out-of-network providers since Aetna has negotiated rates with them. Many of these providers are EyeMed providers.
  • To find in-network providers: Log in to Aetna.com and go to Find Care and Pricing. If you aren’t yet an Aetna member, click here to find providers. In-network includes providers with Aetna and our partner EyeMed.
  • Note: If an EyeMed provider says you’re not eligible for coverage, contact Aetna Member Services at 1-800-367-6276. They can also help you find in-network providers, including EyeMed providers.
  • Vision discounts: Learn more in Accessing vision discounts.
  • You can find a vision claim form here should your provider not include the benefit identified.

What’s covered per calendar year

The following services and products are covered at 100%:

For adults

  • One routine eye exam with an in-network provider
  • One contact lens fitting (must be done during the routine eye exam to be covered at 100%)
  • $150 allowance for vision hardware (frames and lenses or contacts)
  • Note: Some providers may not expect both the eye exam and the contact lens fitting to be covered, so it’s OK to remind them.

For dependent kids (up to age 22)

  • One routine eye exam (in or out of network) covered at 100% with no copay
  • One pair of basic eyeglasses (frames and lenses)
  • Important: This 100% coverage applies only for these vision codes: V2020, V2100-2199, V2200-2299, V2300-2399, V2121, V2221 and V2321.
  • Note: For pediatric care, you may need to pay out of pocket and submit a claim for reimbursement.

Accessing vision discounts

In addition to your medical plan vision benefit, you also have access to the LifeMart Member Discount Program. This program provides savings on items and services that may not be fully covered under the medical plan — such as additional pairs of glasses, contact lenses and other vision-related purchases.

You can use these discounts powered by EyeMed even after you’ve used your $150 allowance, helping you reduce out-of-pocket costs.

To access EyeMed vision discounts at a participating provider:

  • Log in to Aetna.com.
  • Click on the Health & Wellness tab and then Health & Wellness Discounts.
  • Click on Get Vision Discounts.
  • Click on the More tab and then Vision & Hearing Care.

Discounts include (applicable at time of publication0:

  • Routine eye exams: $49 (if not already covered through your plan)
  • Standard contact lens evaluation and fitting: $40 (if not already covered through your plan; a $49 routine eye exam is also required)
  • Premium contact lens evaluation and fitting: 10% off (if not already covered through your plan; a $49 routine eye exam is also required)
  • Single vision lenses, uncoated plastic: $40
  • Bifocals, uncoated plastic: $60
  • Trifocals, uncoated plastic: $80
  • Standard progressive lenses (no line bifocal): $125
  • Eyeglass frames, prescription only, uncoated plastic: 35% off retail prices
  • Add polycarbonate (includes UV coating and scratch-resistant coating): $40
  • Add scratch-resistant coating: $15
  • Add ultraviolet (UV) coating: $15
  • Add solid or gradient tint: $15
  • Glass: 20% off retail prices
  • Contact lenses: 15% off retail prices on conventional lenses
  • Lasik procedure: 15% off standard prices or 5% off promotional prices through U.S. Laser Network. Members must call before scheduling appointment.
  • Additional vision-related items (limitations and exclusions apply): 20% off retail prices (may not be combined with other discounts)

You can also find a provider by clicking on the box at the bottom of the EyeMed discounts.

​To access LifeMart vision discounts:

  • Log in to Aetna.com.
  • Click on the Health & Wellness tab and then Health & Wellness Discounts.
  • Click on any of the Health and Wellness tiles to access the LifeMart Discount Website.
  • Click on the More tab and then Vision & Hearing Care.

Note: Many vision providers are EyeMed providers. If an EyeMed provider says you’re not eligible for coverage or if you need help submitting a claim, contact Aetna Member Services at 1-800-367-6276. You can find a vision claim form here.

[Editor’s Note: The “one routine eye exam” applies to the standard examination provided by an Optometrist.  Testing outside of the standard examination may be an additional cost.  An examination by an ophthalmologist is covered through the medical plan as a specialist. 

An additional note, many providers may charge for “refraction.”  This is the testing accomplished to determine the prescription needed to correct your vision.  This should be a covered examination with an optometrist or an ophthalmologist.  You may have to pay for this initially, but the provider will be paid by Aetna for this exam – check your Explanation of Benefits (EOB) and request a refund if any examinations you paid were covered by Aetna.]

*Information provided is current as of date of publication in 09/2026.