Any valid reason not to use insurance for eyeglasses?

[Anonymous]

Anonymous wrote:

Anonymous wrote:You're planning to pay less than your share of the actual cost of your child's glasses because you think your ex should have spent less? You may think of glasses as a commodity for which style doesn't matter, but that doesn't mean your child feels the same way. As someone who went through my adolescence wearing awful glasses because my mother shared your attitude, I applaud your ex's decision to let you child find a pair of glasses they like rather than sticking with the lowest cost option.

I think you're misreading my post. The exact same glasses that she bought out of network for $300 would have been $60 in network (out of network is not covered). The question is who pays for her choice to go out of network rather than one of the 20 in-network providers within 5 miles of her. Further, there is a court order for me to provide health/dental/vision so I'm paying premiums for an insurance she decided not to use.

None of us are mind readers, so how about you act like a grown up and talk to your ex instead of posting these inane discussions here where you set it up so that the only possible right answer is yours and any alternative explanation must be wrong based on your assumptions.

[Anonymous]

Are they *really* the same glasses? I have a terrible Rex, and need all the bells and whistles to look decent. People will constantly ask me if I know about the ultra-thin lenses while I am wearing the ultra-thin lenses. The coatings actually make a big difference. Are you sure they have the same coatings?

Also, does the cheap place have cute ones? It’s horrible to have ugly glasses on your face for multiple years in a row.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:You're planning to pay less than your share of the actual cost of your child's glasses because you think your ex should have spent less? You may think of glasses as a commodity for which style doesn't matter, but that doesn't mean your child feels the same way. As someone who went through my adolescence wearing awful glasses because my mother shared your attitude, I applaud your ex's decision to let you child find a pair of glasses they like rather than sticking with the lowest cost option.

I think you're misreading my post. The exact same glasses that she bought out of network for $300 would have been $60 in network (out of network is not covered). The question is who pays for her choice to go out of network rather than one of the 20 in-network providers within 5 miles of her. Further, there is a court order for me to provide health/dental/vision so I'm paying premiums for an insurance she decided not to use.

None of us are mind readers, so how about you act like a grown up and talk to your ex instead of posting these inane discussions here where you set it up so that the only possible right answer is yours and any alternative explanation must be wrong based on your assumptions.

This. Have you asked your ex why she didn’t use the insurance?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:You're planning to pay less than your share of the actual cost of your child's glasses because you think your ex should have spent less? You may think of glasses as a commodity for which style doesn't matter, but that doesn't mean your child feels the same way. As someone who went through my adolescence wearing awful glasses because my mother shared your attitude, I applaud your ex's decision to let you child find a pair of glasses they like rather than sticking with the lowest cost option.

I think you're misreading my post. The exact same glasses that she bought out of network for $300 would have been $60 in network (out of network is not covered). The question is who pays for her choice to go out of network rather than one of the 20 in-network providers within 5 miles of her. Further, there is a court order for me to provide health/dental/vision so I'm paying premiums for an insurance she decided not to use.

None of us are mind readers, so how about you act like a grown up and talk to your ex instead of posting these inane discussions here where you set it up so that the only possible right answer is yours and any alternative explanation must be wrong based on your assumptions.

This. Have you asked your ex why she didn’t use the insurance?

I asked a week before I posted, she didn't answer.

[Anonymous]

Anonymous wrote:Are they *really* the same glasses? I have a terrible Rex, and need all the bells and whistles to look decent. People will constantly ask me if I know about the ultra-thin lenses while I am wearing the ultra-thin lenses. The coatings actually make a big difference. Are you sure they have the same coatings?

Also, does the cheap place have cute ones? It’s horrible to have ugly glasses on your face for multiple years in a row.

There are in-network and out-of-network places not cheap or expensive places. She went to one chain that was out of network and there are a number of in-network chains in her area (i.e. My Eye Doctor and several others along with the eye glass areas in several optometrist offices) most of which have a large number of frames to choose from. In-network has one co-pay for lenses (regardless of type), one for coatings (regardless of type) and frames subject to an allowance on the frames. Out of network is not covered at all. I get my glasses at My Eye Doctor and mine have the same coatings as the ones she got so I know those coatings are offered in network.

While in-network sounds like a really great deal it's only because there is so much vertical integration in the eye glass industry and there is a huge markup on this stuff so the insurance company is still making money.

[Anonymous]

Did you tell her beforehand that she should go in network for glasses? Perhaps she didn’t know about the insurance or what is in vs out do she just went with convenience.

[Anonymous]

I buy really nice glasses bc I wear them every day and I did the math and the insurance paid me less for the frames and exam than I paid in premiums so I dropped it. Now if I wore contacts I think it would be a different story.