XP Health
Digital vision benefits platform replacing traditional vision insurance for employers and their employees
Overview
XP Health is a vision benefits technology platform for employers, carriers, and benefits administrators in the group benefits market. The platform replaces traditional vision insurance with an end-to-end digital solution covering eye exams, frames, and lenses -- serving both employers seeking to modernize their benefits stack and employees looking for affordable, accessible vision care.
The platform delivers eye exams and premium eyewear at a flat member cost (approximately USD 35 per visit) through a 100% online enrollment and claims experience, backed by a network of 99,000 providers across the US. Members access a catalog of 5,163+ frame styles with virtual try-on and AI-powered frame recommendations using proprietary deep learning and facial recognition. Benefits administrators can integrate XP Health via EDI feeds and pre-packaged vision programs on platforms including Employee Navigator and Bennie.
Founded in 2019 by Antonio Moraes and James Wong, XP Health has raised over USD 55M across a Series A (USD 17.1M, 2022) and Series B (USD 33.2M, 2024). The company serves more than 3,500 business customers covering over 500,000 members. Notable customers include DocuSign, Navistar, Chegg, ADT, and UPMC. In June 2026, Guardian Life Insurance announced a partnership to distribute XP Health vision programs to employer clients across 26 states.
Products & Services
Full-Replacement Vision Program
XP Health's core product replaces traditional vision insurance for employer groups. Employers offer the plan as a standalone or dual-option alongside an existing plan. The program covers eye exams, frames, and lenses through an entirely digital experience with no paper claims.
Key Features
- Flat member cost of approximately USD 35 per visit regardless of frame selection
- 99,000+ provider locations across the US (90%+ coverage within 1 mile of 20 miles)
- Enrollment marketing support and dedicated implementation team included
Target Users: Employers, HR and benefits administrators
Eyewear Marketplace
An in-platform catalog of 5,163+ frame styles spanning fashion, boardroom, active, functional, safety, gaming, and field-work categories. Designer brands include Tom Ford, Ray-Ban, Armani, Gucci, and Coach. Members browse, try, and order entirely through the app.
Key Features
- Virtual try-on using augmented reality
- AI-powered personal stylist with facial recognition frame recommendations
- Style categories covering casual, professional, safety, and field-work use cases
Target Users: Members (employees)
In-App Prescription Renewal
A remote prescription renewal flow completed in approximately 5 minutes within the app, eliminating the need for an in-person visit for eligible members.
Key Features
- Fully digital renewal workflow
- Reduces friction and time for routine prescription updates
- Integrated within the XP Health member app
Target Users: Members (employees)
Benefits Administration Integrations
XP Health connects to benefits administration platforms via EDI feeds and marketplace listings, enabling brokers and benefits admins to configure and distribute vision programs without individual quoting.
Key Features
- Six pre-packaged vision programs with ready rates on Employee Navigator
- Marketplace listing in Bennie's Employer Marketplace
- COBRA vendor integrations and EDI feed support
Target Users: Benefits brokers, HR technology platforms, benefits administrators
At a Glance
- Founded
- 2019
- Headquarters
- San Carlos, California, USA
- Employees
- 51-200
- Funding
- Series B
Category & Focus
- Category
- Specialty Solutions
- Subcategories
- Vision Benefits Employee Benefits Technology Digital Health Benefits
- Insurance Verticals
- Group Benefits Health
- Target Customers
- Employers, Carriers, Brokers
Customers
- DocuSign
- Navistar
- Chegg
- ADT
- UPMC
- Petco
- WEX
- Bell Bank
- Rippling
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Last updated: 2026-06-21