Desjardins Insurance
Direct Billing Available at Charm Optical
A Friendly Heads-Up About Coverage Amounts
The coverage details on this page are based on publicly available information from the provider's own website. Your actual coverage may be different depending on your specific plan, your employer's selections, and when your benefit period resets.
We always recommend checking with your provider directly to confirm your exact coverage — and the easiest way is usually through their app or online portal, where you can see your remaining benefits instantly.
One more thing: we are not able to verify your insurance over the phone or by email. To check your coverage, you will need to visit us in store — we can look everything up for you right at the counter. It only takes a minute, and there is never any obligation.
About Desjardins
Desjardins is the largest financial cooperative in North America, founded in 1900 in Lévis, Quebec by husband and wife Alphonse and Dorimène Desjardins. The story goes that Alphonse, a journalist covering parliamentary debates, heard about a Montreal man being charged $5,000 in interest on a $150 loan — and decided to create a financial institution that would actually serve ordinary people.
What started as a single caisse populaire (credit union) in a small Quebec town has grown into a financial giant with over 10 million members and clients, more than 57,000 employees, and $510 billion in total assets. Desjardins operates on a cooperative model — one member, one vote — and returned $638 million to members and communities in their most recent year.
Desjardins is built on six core values: treating money as a tool for human development, personal commitment, democratic governance, integrity, community solidarity, and intercooperation. They are a full-service financial group — banking, insurance, investments — one of the few in Canada that do it all under one roof.
Vision Coverage Details
Desjardins offers health and dental insurance with two main tiers for vision care:
| Plan | Glasses / Contacts / Laser | Eye Exam | Frequency |
|---|---|---|---|
| Basic Plan | Up to $150 per person | Up to $50 | Every 24 months |
| Enhanced Plan | Up to $250 per person | Up to $70 | Every 24 months |
| Employer Group Plans | Varies by employer ($200–$400 typical) | Usually included | Varies |
Vision coverage includes prescription glasses, contact lenses, and corrective eye surgery (laser surgery for nearsightedness, farsightedness, or astigmatism). Eye exams are covered separately from eyewear — so your exam does not eat into your glasses budget.
Tip: Check Your Benefits
If you have a Desjardins group plan through your employer, check your coverage through your company’s benefits portal or contact your HR department. For individual plans, sign in at desjardins.com or use the Desjardins app to view your remaining benefits.
How We Bill Desjardins
We direct bill Desjardins at Charm Optical. Whether your plan is through an employer group or an individual policy, just bring your insurance card. We verify your coverage, submit the claim, and you only pay the portion not covered by your plan. Desjardins claims process smoothly — most are confirmed before you leave the store.
Coverage at a Glance
Here’s what your plan typically covers when you visit Charm Optical. Coverage amounts vary by plan — check with your insurance provider for exact details.
Eye Exams
Comprehensive eye exams with a licensed optometrist, usually covered once every 12–24 months.
Prescription Glasses
Frames and lenses with your prescription. Most plans cover a set amount every 24 months.
Contact Lenses
Daily or monthly contacts. Usually covered as an alternative to glasses.
Prescription Sunglasses
Sunglasses with your prescription are covered. Non-prescription sunglasses are not eligible.
How Direct Billing Works
Bring Your Card
Just bring your insurance card when you come in. No need to call your provider or fill out any forms beforehand.
We Verify Your Coverage
We’ll look up your plan right away and let you know exactly what’s covered — no surprises.
Walk Out — We Handle the Claim
We submit the claim for you before you leave. You just pay your co-pay if there is one. Done.
Frequently Asked Questions
Does Charm Optical direct bill this provider?
Yes! We direct bill right from our clinic in south Edmonton. Just bring your insurance card and we’ll submit the claim for you in real time — no paperwork to take home.
What does this plan typically cover for eye care?
Most plans cover eye exams, prescription glasses, contact lenses, and prescription sunglasses. Coverage amounts and frequency vary by plan — we recommend checking with your provider or downloading their app to see your exact benefits.
Do I need to bring anything else besides my card?
Nope — your insurance card is all we need. We’ll look up everything from there. If you have a specific benefits booklet or app showing your coverage details, that can help too, but it’s not required.
Ready to Use Your Desjardins Insurance Benefits?
Book your eye exam online in 30 seconds. Just bring your insurance card and we’ll handle everything from there.
Or call us at (780) 490-0090