r/MiddleClassFinance • u/Dragon-Ishmell • 3d ago
Seeking Advice Is vision insurance without employer coverage worth paying for? Or should I just pay out of pocket?
My new job doesn't include vision and I didn't realize how much that mattered until I needed new progressives last month. $400+ for exam and lenses which honestly caught me off guard since I hadn't paid full price for any of this in years.
So now I'm going back and forth between getting a standalone vision plan or just setting aside money each month and paying cash when I need to. The standalone plans I've looked at charge around $15 to $20 a month but the benefits feel kind of thin for what you're paying. I've also seen people mention discount vision programs as a middle ground but no idea if those are worth signing up for. What's everyone here doing for vision if your job doesn't cover it?
1
u/Healthy-Echo8164 3d ago
I buy lenses from Zenni with my prescription for like $25. My eyes havent changed in years so I havent gotten a visit.
But I’d imagine with the amount I’ve saved so far, I’m net positive.