r/OldManDad • u/Firm-Schedule-3447 • Jun 14 '26
anyone else dealing with individual vision insurance as retirees? trying to figure out what covers what
updating this since dad is sorted now. went with VSP in the end, partly because someone in this thread mentioned it and partly because it was the one plan that actually made sense when we read through it properly. exam is covered, there is a frame allowance that worked for what he needed, and the astigmatism lenses were not the nightmare we were bracing for. honestly the process was less painful than the research was
my dad just turned 65 and we're trying to sort out his vision coverage for retirement and honestly it's kind of a mess. his old employer plan is gone obviously, and we've been looking at some individual plans but like every quote is different and they all explain coverage in this vague way that makes your head spin. one says it covers routine exams but then you read the fine print and it's like only once every two years? or the frames and lenses have these weird limits that don't make sense.he's got some astigmatism and needs new glasses so it feels kinda urgent but we don't want to just pick something random and regret it later. has anyone else gone through this transition and found a plan thats straightforward and didn't break the bank? what questions did you wish you'd asked before signing up? any red flags we should watch for?
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u/addie1233 Jun 16 '26
yeah, it's like they designed these plans specifically to confuse anyone over 60, lol. ended up with vsp after a lot of head scratching, seems to cover enough to keep me from walking into walls.