Reply to Any valid reason not to use insurance for eyeglasses?

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[quote=Anonymous][quote=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. [/quote]

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.[/quote]

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