Wednesday, January 27, 2010

Got Insurance?

Well, I do. Hubs on the other hand, unfortunately does not. I knew I should have added him to my vision insurance when my employer had 'open enrollment' a few months ago. Damn. Now, we're at the mercy of eye doctors and price gouging.

I went to the eye doctor a few days ago to get a new prescription and pick out new glasses. I went with the understanding that I'd be buying my contacts online as I have found that they are MUCH cheaper than buying at your eye doctor or local retailer. Anywho... after reviewing my vision coverage allowances with the "Optical Specialist" (cool name, huh?) I had my total.

    * Comprehensive Eye Exam
    * Contact Lens Fitting
    * Glasses/Lenses w/ Scratch Resistant Coating (Designer, of course!)
    * Applicable Co-pays

= A grand total of $192. Not bad, right?

Well, here is where NO INSURANCE starts to suck. Bigtime.

You see, hubs has really, really, really bad eyesight. For those who know prescription ratings, he's a -8. That's pretty bad. Without vision correction, he literally can't see how many fingers I'm holding up from say, 2-3 feet away. Yeah. That bad. So, with him not being to the eye doctor in atleast 7 years and my having just been, I figured it was time for him to go. Insurance or NO insurance. Oh goodness.... what we found out was a shocker to say the least.

He went to the eye doctor today. He went through his exams. Had his eyes dilated. Poor thing had to wear those god awful plastic visor thingys to protect his eyes from the light. Yes, I laughed. Alot. Sorry.

    * Comprehensive Eye Exam
    * Contact Lens Fitting

= $218 for JUST the exams.

And here's where it gets interesting: Because hubs has really, really, really bad vision he has to wear the High-Index lens that cost two arms, one leg, one buttcheek, 7 out of 10 toes, and atleast 3 fingers. Yeah. That much. For HI lenses with scratch resistent coating & UV protection..... wait for it... well over $300 FOR JUST THE COTTONPICKIN LENSES! No frames. That's extra. This is where I said, "You have GOT to be kidding, right?" Nope.

Again, because hubs vision is really, really, really bad he's automatically limited to certain frames that work with the HI lenses. He didn't have a problem finding a pair he liked and even I liked them, but they are $230 for petes sake! This was becoming ridiculous.

Ok, so the High Index lenses and frames TOGETHER will cost OVER $440 (they did honor a slight discount for the "package." Joy.

Let's do some math shall we?

Me:

    * $3.50 is deducted from 26 paychecks for vision coverage = $91 year
    * Adding this to what I paid for the exams, co-pays, and glasses = $309 total

Hubs:

    * Exams (same as mine) and frames/lenses = $663 total

Something about this just doesn't seem right. Should someone without insurance really have to pay over TWICE as much? Seriously? I think this is beyond ridiculous. Bear in mind, this doesn't even include the cost of his contacts which are over $200 by themselves! Overall his total eye care bill today will end up costing over $900.

Thinking of putting up a lemonade stand. In winter.

See if I'm still sane after signing the bill in a few days. I promise you I won't be.

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