I wear glasses. You can see my photo and see me with my glasses. I like the way I look and appear on television programs usually wearing them.
Years ago, my wife told me to try contact lens so I did. After a few weeks, I gave up on them. It’s just too much both for me. Cleaning, rinsing and taking care of them. I also didn’t like the way they felt. I just couldn’t get use them.
With recent technology, I have considered eye surgery to correct my eyes. Being check out at a local office, it seems my vision would be helped somewhat, but I would probably require reading glasses. Friends and family members have done this with amazing results, but it’s just not for me.
Again, I wear glasses. I don’t mind wearing them. They’re easy for me and very convenient. I don’t get them adjusted much, so it’s very easy for me to wear them. Of course wearing glasses, I see better, which is the point of glasses in the first place.
A few years ago, I decided to buy a new pair. My prescription had changed slightly and I wanted a more modern stylish frame. The timing was right so I sat down and selected new frames from my optometrists’ collection. Boy did they look good.
Minutes later the optician presented me with a bill for $700! I almost had a heart attack! Who pays $700 for glasses? Besides, I had vision care with my insurance company. I had checked before my visit and had about $300 credit for frames and lenses.
It seems the way this works is both the insurance company and the patient pay for the glasses. My share would only be about $300. The reason the bill was marked $700 was so the insurance company would pay half and I would pay half. The optometrist would collect from both of us for 700 bucks.
Vision care insurance was new to me. This was my first time using the benefit. Looking at my last prescription glass bill, I paid out of pocket about $325. Why where these glasses, with similar frames and lenses, so much more?
The optometrist explained that their frames and lenses are a super high quality. I explained my last pair of glasses, for the $325 had served me well for more than 5 years so the quality of my old glasses is great for me and I don’t require higher quality.
It turns out that the vision care insurance helps eye care professionals make more money. They collect from both the patient and the insurance company. If I purchase glasses from Costco or Lenscrafter, I would get a $75 reimbursement. Something just wasn’t adding up.
Talking with a representative of the vision care insurance carrier wasn’t any help either. I asked why they wouldn’t give Costco, with licensed people, my $300 benefits, saving me money. It would also save the insurance company money. That would be a win-win for everyone.
Nope, the insurance company only deals with professional eye care pros. The licensed opticians at the big stores don’t count (but they have the same paperwork as the optometrist I went to).
Something needs to happen to get this fixed. First premiums go up, benefits are reduced and the insurance companies put caveats on how to spend those benefits. This just doesn’t make sense.
I offered a simple, viable solution to the insurance company. The optometrist would make money on the sale of glasses for the 325 or so dollars, though not as much as he wanted. In the meantime, the optometrist must be struggling as he works a few days a week at big box eyeglass store. This just doesn’t make sense.
In the meantime, I’m wearing 6-year old glasses, a bit dated because I just don’t get how this is suppose to work. I now have $350 in benefits that I can’t spend and that is driving me crazy!