Vision insurance....

[TheHaitian]

Enrollment time again so apologize the stupid question.

This year was the first time I paid for Vision Coverage : $26/month and needed up not using it.

Wonder if I should do it again this year? My company contribute $0.00 towards the total cost.

Both my mom and biological dad wear glasses, my brother and sister wear glasses and my step dad and step brother do to.

But none of my siblings on my biological father does. And I figure if I cover 100% of the cost, if something comes up I should be able to cover it out of pocket or using HSA account right?

[gooddecisions]

I've had bad vision since I was 13. I don't bother with eye insurance. An eye exam only cost about $100 or less out of pocket and I don't need to go every year. I get glasses online for about $30 and again don't need them every year. A year supply of contact lenses that actually lasts me about two years is about $100. So I pay out of pocket maybe a total of $100 or less per year. I don't bother reimbursing with my hsa either.

[Happy prose]

Your medical insurance will cover an  opthamologist (not optomotrist) and you can get glasses really cheap online at Zenni. 

[TheHaitian]

That settles it then, dropping it. $12 back in my pocket!

YES!!!!

[wvugurl26]

I would double check if your health covers it. I wouldn't just assume it does.

I have bad vision and I don't carry it. Of the 5-6 plans I have to choose from, many don't cover contacts at all. The ones that do I think only covered a set part of it which wouldn't even cover a year's worth of mine.

I put the max allowable in my FSA and I get a $5 eye exam through my dental insurance.

[justme]

I only reupped mine last year cuz this year was frames. I'm dropping it. I usually see pretty cheap eye exams at multiple places. But I also found a chain that does three years of contacts exams for $99 and you can have it checked up to three times a year and as far as I can tell that gives you a regular rx too. And then buy glasses from zenni and if I want them contacts from Costco.

[Deleted]

I certainly wouldn't sign up for it if your eyes are fine.  Just because your parents wear glasses doesn't mean you need insurance.  It's not like you're going to wake up blind one day.   My vision started going about 8 years ago.  I went from 20/20 to pretty bad and needing progressive lenses, but I still don't have vision insurance.  You can find places to get cheap exams and glasses.  I'm considering it for next year for the first time just because I know I need new glasses (I've just had cheaters and one set of progressives in the past 8 years).  Ours is a lot cheaper though, only about $12/month for single.  I'm thinking I will about break even with what they pay out, but I'm trying to keep my AGI as low as possible so every little bit helps.  Upping the medical and dependent care FSA a hair each too. 

[TheOtherMe]

I dropped my vision insurance last year.  Too many limitations on frames, etc.  

Other reason was around here, I had very few options as to who I could see.  

I have progressive lenses so I don't understand how I could buy glasses online.  However, dad's last pair cost $199, far less than I was paying with insurance.  

[resolution]

I signed up for my vision insurance last year, but it's only about $1.25 every two weeks. Unfortunately I keep procrastinating and haven't used it yet, and it's already open enrollment time again.  I really need to make an eye appointment but I only think about it at weird times, like at 5:27 on a Saturday evening, when they aren't open.

[justme]

Oct 28, 2017 16:24:30 GMT -5 TheOtherMe said:

I dropped my vision insurance last year.  Too many limitations on frames, etc.  

Other reason was around here, I had very few options as to who I could see.  

I have progressive lenses so I don't understand how I could buy glasses online.  However, dad's last pair cost $199, far less than I was paying with insurance.  

There's options. I was able to put my parents in one of the online shops. I forget which one. They still didn't buy even though it was significantly less than they pay in person.

Online blue light filters are a fraction of my insurance negotiated price.

[The Walk of the Penguin Mich]

I have really crappy vision, and when I used vision insurance, I pretty much broke even.  What it DID do was force me to take better care of my eyes, otherwise I'd wait too long before I'd go get checked out.  My glasses are obscenely expensive, even with insurance, my last pair I bought the frames at Costco but Costco couldn't do my prescription.  I sent the frames to an optometrist friend of mine along with my prescription and he got lenses for me.  Even then, my lenses were nearly $300.

[alabamagal]

For Carl's situation it is not worth it. For people who do not have vision issues it is not worth it.

For me it is $25 a month and covers 4 people ( used to be 5 for same price) who all wear glasses or contacts. I have very bad nearsightedness so I need upgraded lenses so they are not coke bottle, plus progressives. I still have to pay $200 for glasses that would be $500 without insurance.

My glasses are important part of my life that I have on 100% of my waking time and I cannot function without them so I am getting the best pair with the most comfort possible. I have ordered from zen I for single vision low correction glasses for my kids as backup pairs.

[dee27]

When I worked, my vision insurance paid squat: $50 for single vision lenses and frame/every two years plus one generic eye exam annually. It is cheaper to find a good optometrist and pay OOP for annual check-up and glasses when they go on sale. My vision insurance was part of my employer health benefit which was only broken down into medical and dental premiums, and I paid a % of the annual premiums, copays for OV and prescriptions, surgery, PT and hospital.