Short answer: Vision plans usually cover lens upgrades (like progressive or anti-reflective lenses) at a fixed copay or discount, and may give a separate allowance for medically necessary contacts; purely cosmetic upgrades are typically member-paid.
Most vision plans provide a base lens benefit plus a menu of add-ons; progressive, photochromic, or anti-reflective lenses; covered at a set copay or a negotiated discount rather than in full. Medically necessary contact lenses often have their own allowance, while elective or cosmetic upgrades are generally the member’s responsibility. Specialty treatments such as low-vision services may have separate rules, so check the plan’s schedule.