Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Vision Insurance: Any opinions?
Old 10-18-2011, 11:02 AM   #1
Dryer sheet aficionado
 
Join Date: Aug 2011
Posts: 29
Vision Insurance: Any opinions?

I searched for history on this topic, but would like some opinions. I have never purchased vision insurance before.....but am considering it this yr based on the cost of my last glasses. Any thoughts?

Tks in advance.
__________________

__________________
cj1717 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 10-18-2011, 11:10 AM   #2
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas Hill Country
Posts: 42,070
Skip the insurance, buy your glasses online and save a bundle. I've been happy with what I purchased from these two but I know there are others out there:

Discount Prescription Eyeglasses and Sunglasses - 39DollarGlasses.com
Zenni Optical - Eyeglasses, Prescription Glasses, Bifocal, Progressive Eyeglasses, Rimless Glasses
__________________

__________________
Numbers is hard

When I hit 70, it hit back

Retired in 2005 at age 58, no pension
REWahoo is offline   Reply With Quote
Old 10-18-2011, 11:16 AM   #3
Moderator Emeritus
Bestwifeever's Avatar
 
Join Date: Sep 2007
Posts: 16,372
DH's insurance included visual for years and the only bona fide benefit was that it covered the cost of an annual eye exam, $75. Somehow (amazing how this always happened) the actual glasses and contacts were always a better deal on a sale price, which the insurance didn't apply to. So unless your insurance is less than $75 a year I'd skip it.
__________________
“Would you like an adventure now, or would you like to have your tea first?” J.M. Barrie, Peter Pan
Bestwifeever is offline   Reply With Quote
Old 10-18-2011, 11:16 AM   #4
Moderator
ziggy29's Avatar
 
Join Date: Oct 2005
Location: Texas
Posts: 15,612
I feel the same way about vision as I feel about dental insurance -- if you can get it highly employer-subsidized, you might take it; if not, pass on it. I've never seen unsubsidized vision or dental insurance that was a good buy.
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

RIP to Reemy, my avatar dog (2003 - 9/16/2017)
ziggy29 is offline   Reply With Quote
Old 10-18-2011, 11:19 AM   #5
Moderator
MichaelB's Avatar
 
Join Date: Jan 2008
Location: Rocky Inlets
Posts: 24,408
Quote:
Originally Posted by REWahoo View Post
Skip the insurance, buy your glasses online and save a bundle. I've been happy with what I purchased from these two but I know there are others out there:

Discount Prescription Eyeglasses and Sunglasses - 39DollarGlasses.com
Zenni Optical - Eyeglasses, Prescription Glasses, Bifocal, Progressive Eyeglasses, Rimless Glasses
+1
How to get an unbelievable, thrilling deal on new glasses. - Slate Magazine
__________________
MichaelB is offline   Reply With Quote
Old 10-18-2011, 12:04 PM   #6
Administrator
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 38,824
Quote:
Originally Posted by ziggy29 View Post
I feel the same way about vision as I feel about dental insurance -- if you can get it highly employer-subsidized, you might take it; if not, pass on it. I've never seen unsubsidized vision or dental insurance that was a good buy.
+1

For me it has always been cheaper in the long run to self-insure rather than to buy unsubsidized dental or vision insurance.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities.

- - H. Melville, 1851
W2R is online now   Reply With Quote
Old 10-18-2011, 12:24 PM   #7
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
travelover's Avatar
 
Join Date: Mar 2007
Posts: 9,871
Agree on the vision insurance - not really worth it. I've been satisfied with Costco.
__________________
Yes, I have achieved work / life balance.
travelover is offline   Reply With Quote
Old 10-18-2011, 04:59 PM   #8
Thinks s/he gets paid by the post
GregLee's Avatar
 
Join Date: Oct 2010
Location: Waimanalo, HI
Posts: 1,881
Quote:
Originally Posted by travelover View Post
Agree on the vision insurance - not really worth it. I've been satisfied with Costco.
I get eye exams at Costco (covered by subsidized vision insurance) and I got my first prescription eyeglasses there. Now, Costco may be a good deal compared with other local retail stores, but Zenni and other online sources are much cheaper, in my experience. Like, at least 10 times cheaper.

I haven't been there in a while, but when I was trying to figure out what online sources there were, whether they were reliable, and how to order, I got a lot of useful information at the Glassy Eyes forum: Discussions - GlassyEyes.com Forums - Visit the site! | Google Groups.
__________________
Greg (retired in 2010 at age 68, state pension)
GregLee is offline   Reply With Quote
Old 10-18-2011, 07:31 PM   #9
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 7,883
I actually have vision insurance.

My reasoning is I really like my optometrist (been going to him since I was a teenager) and go with a lot of options in my glasses (bifocals without a line, progressive light changing, high index -- I think that's called that, so the lenes are thin, a prism to compensate a muscle imbalance).

I know, sounds like a splurge, but my latest glasses plus examination purchase was about $500. Without the insurance the cost would have been over $1000.

Also, I need to say, I love my HSA as I'll reimburse myself for the qualified expenses with the HSA.

The irony though is my eyes feel more comfortable using my older, less powerful glasses than the one I just got

FYI -- Link to the insurance membership I use: https://vsp.careington.com/
I pay about $170/year for the insurance.
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
easysurfer is online now   Reply With Quote
Old 10-20-2011, 09:58 AM   #10
Dryer sheet aficionado
 
Join Date: Jun 2008
Posts: 47
Look, try Zenni for a duplicate pair of your $500 glasses. With many bells and whistles
(hi index/progressives etc) it ought to cost about $75. If you are happy continue to use your OD for exams and over time you will save thousands of dollars. If not, you are out $75. Sounds like a deal to me.
__________________
heardoc is offline   Reply With Quote
Old 10-20-2011, 11:49 AM   #11
Full time employment: Posting here.
 
Join Date: Nov 2009
Location: VA
Posts: 923
Quote:
Originally Posted by ziggy29 View Post
I feel the same way about vision as I feel about dental insurance -- if you can get it highly employer-subsidized, you might take it; if not, pass on it. I've never seen unsubsidized vision or dental insurance that was a good buy.
x2, though dental can sometimes work if you actually use the two free cleanings each year. I know Humana has a standalone dental policy that covers preventative 100% and basic 50% after 6 months for about $16/month per person. Two cleanings by themselves would cost more than the $192/year in premiums.
__________________
Disclaimer - I am an independent insurance agent. If the above message contains insurance-related content, it is NOT intended as advice, and may not be accurate, applicable or sufficient depending on specific circumstances. Don't rely on it for any purpose. I do encourage you to consult an independent agent for insurance-related advice if you have a question that is specific in nature.
dgoldenz is offline   Reply With Quote
Old 10-20-2011, 12:49 PM   #12
Thinks s/he gets paid by the post
 
Join Date: Nov 2006
Posts: 2,268
This thread is good timing for me. I have to make my insurance elections today for next year. My wife wears glasses and we just had to buy some for my son last month. I assume my vision insurance must be a good deal? Its $9 / month for both of them. It includes a $10 co pay for the eye exam and $25 for glasses. It also pays $115 towards contacts.
__________________
utrecht is offline   Reply With Quote
Old 10-22-2011, 11:03 AM   #13
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Dawg52's Avatar
 
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 7,432
Quote:
Originally Posted by REWahoo View Post
Skip the insurance, buy your glasses online and save a bundle. I've been happy with what I purchased from these two but I know there are others out there:

Discount Prescription Eyeglasses and Sunglasses - 39DollarGlasses.com
Zenni Optical - Eyeglasses, Prescription Glasses, Bifocal, Progressive Eyeglasses, Rimless Glasses
I ordered a pair of prescription sunglasses from $39glasses early last week. Total cost for tinting and high index was $48. Should have next week. I figured for $48, it's worth a shot. I'll let you know how they turn out. A golf buddy of mine buys from the 2 links you reference. He's been satisfied.
__________________
Retired 3/31/2007@52
Full time wuss.......
Dawg52 is offline   Reply With Quote
Old 10-22-2011, 04:04 PM   #14
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
braumeister's Avatar
 
Join Date: Feb 2010
Location: Northern Kentucky
Posts: 8,582
Quote:
Originally Posted by Dawg52 View Post
I ordered a pair of prescription sunglasses from $39glasses early last week. Total cost for tinting and high index was $48. Should have next week. I figured for $48, it's worth a shot. I'll let you know how they turn out. A golf buddy of mine buys from the 2 links you reference. He's been satisfied.
I'm another convert. I got my first pair of glasses from Zenni a couple of months ago, and I'm very satisfied.

I'm a tough customer, being extremely nearsighted (-7.25 in one eye), which means I need the really high index lenses and I use progressive (no-line) bifocals as well. For less than $90 I got a perfect pair of glasses that is every bit as good as what I was used to paying over $500 for at Lenscrafters or Pearle.

It takes a couple of weeks to get them (they're made in China), but that's only slightly longer than it normally takes from one of the big US sources.

The only drawback I can see is that you don't have the breadth of selection among frames, and I suppose that's an issue for some people, but I was fine with what Zenni had.
__________________
Pas de lieu Rhône que nous.
braumeister is offline   Reply With Quote
Old 10-31-2011, 08:33 PM   #15
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Dawg52's Avatar
 
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 7,432
Got my prescription sunglasses today and they do look sharp. I bought the one's below and they are very light and comfortable. Might need a slight adjust, but fits snug on my face. For $48, very pleased. Can't say they are the same quality as my local optical shop would sell, but for about 1/4 of the price.......pretty darn good.

Cambridge Sunglasses by 39DollarGlasses.com
__________________
Retired 3/31/2007@52
Full time wuss.......
Dawg52 is offline   Reply With Quote
Old 10-31-2011, 08:43 PM   #16
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas Hill Country
Posts: 42,070
Quote:
Originally Posted by Dawg52 View Post
Got my prescription sunglasses today and they do look sharp. I bought the one's below and they are very light and comfortable. Might need a slight adjust, but fits snug on my face. For $48, very pleased. Can't say they are the same quality as my local optical shop would sell, but for about 1/4 of the price.......pretty darn good.
Glad to hear it worked out for you.
__________________
Numbers is hard

When I hit 70, it hit back

Retired in 2005 at age 58, no pension
REWahoo is offline   Reply With Quote
Old 11-01-2011, 04:06 PM   #17
Full time employment: Posting here.
 
Join Date: May 2011
Location: Marco island
Posts: 813
Quote:
Originally Posted by cj1717
I searched for history on this topic, but would like some opinions. I have never purchased vision insurance before.....but am considering it this yr based on the cost of my last glasses. Any thoughts?

Tks in advance.
I agree with those that trying to get vision or dental on your own is difficult. If you do find an affordable plan, there will be a very limited number of offices to choose from and generally will be very aggressive at up selling your exam or cleaning. Personally, I use a private optometrist and purchase glasses with her. I am willing to pay more for a thorough exam and even though I could save a few dollars over the Internet, I believe it is my responsibility to support those in my community that help put bread on my table. And I try to buy American whenever possible.
__________________
Gatordoc50 is offline   Reply With Quote
Old 11-02-2011, 08:53 AM   #18
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Dawg52's Avatar
 
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 7,432
Quote:
Originally Posted by Gatordoc50 View Post
Personally, I use a private optometrist and purchase glasses with her. I am willing to pay more for a thorough exam and even though I could save a few dollars over the Internet, I believe it is my responsibility to support those in my community that help put bread on my table. And I try to buy American whenever possible.
I do this as well. I have a friend that has an optical shop and I purchased a pair of Transition glasses from him recently to the tune of $290. They are nice won't work very well(turn dark) when in my car. They do have an extreme version of Transitions available now that will darken inside a vehicle, but they would have cost an additional $200. So I decided to buy a cheap pair of sunglasses over the net to solve the problem.

I too don't mind paying more to help my buddy and local economy. But I don't have to change glasses very often. Some do like a golf buddy of mine. And that can add up pretty quick. So I don't begrudge the one's that do look for lower price alternatives.
__________________
Retired 3/31/2007@52
Full time wuss.......
Dawg52 is offline   Reply With Quote
Old 11-02-2011, 10:33 AM   #19
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
braumeister's Avatar
 
Join Date: Feb 2010
Location: Northern Kentucky
Posts: 8,582
Quote:
Originally Posted by Dawg52 View Post
I don't have to change glasses very often. Some do like a golf buddy of mine. And that can add up pretty quick. So I don't begrudge the one's that do look for lower price alternatives.
True, it all depends on the need.
The most extreme example I know of is a pilot friend I had where we used to live. I don't remember exactly which aircraft he flew, but I think it was the 737.

Normal, single vision glasses have two prescriptions, one for each eye. Bifocals have 4, and trifocals have 6.

My pilot friend had a pair of glasses he used in the cockpit with 11 separate prescription sections. He could keep his head still and have perfect vision for all the instruments he monitored. He told me that was not uncommon for commercial pilots.
__________________
Pas de lieu Rhône que nous.
braumeister is offline   Reply With Quote
Old 11-02-2011, 11:00 AM   #20
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
travelover's Avatar
 
Join Date: Mar 2007
Posts: 9,871
Quote:
Originally Posted by braumeister View Post
..........My pilot friend had a pair of glasses he used in the cockpit with 11 separate prescription sections. He could keep his head still and have perfect vision for all the instruments he monitored. He told me that was not uncommon for commercial pilots.
Maybe that is why flies have such complex eyes.
__________________

__________________
Yes, I have achieved work / life balance.
travelover is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance rate increases dm FIRE and Money 42 09-15-2011 04:00 PM
FIRE and health insurance w/pre-existing conditions ArizonaJay FIRE and Money 22 08-31-2011 08:52 PM

 

 
All times are GMT -6. The time now is 01:09 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.