So explain this to me. What is the point of having some insurances? I mean some are worth it, but let's take my eye for example. At my old job I had 100% Blue Cross, Blue Shield for my vision. Now I no longer have vision, but it was still cheaper out of pocket to pay full price than to have insurance. What is the point. I have heard this before from my old vision provider. The lady said it's sometime cheaper without insurance. I paid about $200 less than not having insurance than when I did. Same stuff same brand of frames. It makes no sense.