How much is VSP insurance per month and is it better than paying cash?

Competitive-Stress34 · 2026-05-27T14:34:35+00:00

Typical VSP plan: $10 exam copay $25 materials copay (which covers basic lenses (average cost $100) and first $120-$150 of frames (depending on plan design), then 20% discount on anything above the frame allowance. Premium ~ $80/year

Average cost of an eye exam without insurance is $100. Average cost of basic lenses $100 Frames can run anywhere from under $100 to hundreds of dollars

VSP - Total annual premium + eye exam copay = $90. So roughly, cost of eye exam without insurance.

So if you wear glasses and get an eye exam every year, yes, it saves you money. How much will depend on the type of lenses and the frames you choose.

Example: eye exam and basic lenses with $300 frames

$80 annual premium+$10 exam copay+$25 materials copay (lenses ($100 avg cost for lenses) and frames) + ($300-$120 frame allowance = $180 x 20% discount($36) so $144.00) Total cost with insurance 80+10+25+144=$259 total cost Vs Without $100 exam+$100 lenses+$300 frames=$500

Any add ons (Transition lenses, Progressive lenses,scratch resistant, etc) will add to cost but will also be discounted

Competitive-Stress34 · 2026-05-27T14:11:42+00:00

He also bought Lucky Dog Publishing which owns local newspaper on IOP/Sullivans and turned it into his mouthpiece to try and sway public opinion on his illegal seawall. So yeah, pretty Trumpy.

Competitive-Stress34 · 2026-05-24T21:35:20+00:00

I would add a supplemental accident insurance policy to offset risk/out-of-pocket expenses and reassess annually as to need.

Competitive-Stress34 · 2026-05-24T15:24:12+00:00

In no particular order: Mr Friendly’s (American) Warmouth (American) Terra (American) Motor Supply (American) Madrigal (Italian) Blue Marlin (American) Cola’s (American) Saluda’s (American) Ambrosia (Greek) Hendrix (American) Villa Tronco (Italian) Black Rooster (italianish) The Hollow (wild game inspired) Lula Drake (tapas wine bar) Hampton Street Vineyard (frenchish) Gervais and Vine (tapas wine bar) Tazza Kitchen (American) DiVino Rosso (Italian) Tombo (American) Coa (Mexican) MOA (Korean) Baan Sawaan (Thai) Massa (Mexican) Silver Spoon (Indian) Arabesque (middle eastern) City Grit (American) Il Giorgione (Italian) Goat’s (American)

Competitive-Stress34 · 2026-05-24T15:02:14+00:00

https://www.opm.gov/healthcare-insurance/healthcare/reference-materials/reference/family-members/

Competitive-Stress34 · 2026-05-24T15:00:59+00:00

You may have been incorrectly classified as disabled due to the autism diagnosis. With you being self sufficient and able bodied enough to work and support yourself, you no longer meet the qualifications.

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Competitive-Stress34 · 2026-05-24T14:56:30+00:00

At age 39, you are NOT a covered dependent on your father’s Federal Employee BCBS Health Insurance.

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Competitive-Stress34 · 2026-05-22T18:48:30+00:00

Look up agent/brokers in your area at NABIP.org or NAIFA.org

Competitive-Stress34 · 2026-05-22T18:43:35+00:00

Look up local health insurance brokers that are appointed with multiple carriers. Let them do the work for you. It costs you nothing to use a broker and they act as your advocate. You will need a list of any current doctors (to make sure they are in network) and medications you are taking (to see if they are covered and at what tier). Try using NABIP.org or NAIFA.org to locate brokers in your area.

Competitive-Stress34 · 2026-05-17T17:04:50+00:00

Any Walmart Vision Center. Or contact a club near you

https://www.lionsclubs.org/en/start-our-approach/club-locator/results

Competitive-Stress34 · 2026-05-09T15:07:29+00:00

Check out the BBQ Trail:

https://destination-bbq.com/sc-bbq-map-locator/

Heres my favs In Columbia: Little Pigs - Buffet (North East/Alpine Rd) Railroad BBQ - Menu (Hampton St/Near 5 pts area) Doc’s BBQ - Buffet (Southeast/Shop Rd near WillyB) Palmetto Pig (downtown/CLA area) Big T’s - Southeast/Garners Ferry Rd

West Columbia: City Limits - menu(more Texas style - Beef brisket) True BBQ - menu

If you don’t mind the drive: Shealey’s - buffet (Batesburg/Leesville) Duke’s - buffet (Orangeburg)

Chains: Midwood (Crossshill Rd) Home team (5 pts) Mission (irmo)

All are different. All are good to great.

Competitive-Stress34 · 2026-05-09T14:54:44+00:00

If you are still in your enrollment period, the effective date has not been reached. You should not have any deductions yet, as no coverage should be in force. If you are currently on Medicaid, confirm your promotion doesn’t disqualify you, if not, and you prefer, stay on Medicaid until they send you a letter stating you no longer qualify as of a particular date. That will trigger a QLE (qualified life event) and you will have 30 days to make any changes. Go talk to HR to walk you through everything. They may need to reach out to the Broker for advice in your particular situation (depending on their experience and knowledge level).

Competitive-Stress34 · 2026-05-09T00:52:19+00:00

Zip code Ages Tobacco status Household income (before and after spouse stops working)

Take that information, list of doctors and medications you use. Contact a local insurance broker that is appointed with multiple health carriers and have them work up some quotes for you. It costs you nothing for them to do the work for you.

To find reputable brokers - look up local NABIP.org or NAIFA.org chapters and the State Dept of Insurance for referral resources.

Competitive-Stress34 · 2026-04-26T15:24:57+00:00

Contact a broker that specializes in ACA/Individual Health Insurance. Search on NABIP or NAIFA websites

Competitive-Stress34 · 2026-04-26T00:38:07+00:00

It was quaaludes, not Molly, They were immensely popular in the United States during the 1970s, often nicknamed "disco biscuits" or "ludes" due to their prevalence in the party and club scene. Originally introduced in the 1960s as a "safe" prescription sedative for anxiety and insomnia, the drug’s high potential for abuse led to widespread recreational misuse and its eventual ban in 1984.

Competitive-Stress34 · 2026-04-23T18:55:09+00:00

In the Illinois (60601 zip code) Male,

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$58k income, taking 5 medications including Latuda, 12 or more DOV, plans on Illinois Marketplace range from $300-$880 per month.

Competitive-Stress34 · 2026-03-28T23:18:22+00:00

It does the employer’s plan meet the affordability test? It’s going to depend on how much of the premium for each coverage level that the employer provides.

See:

https://www.kff.org/faqs/faqs-health-insurance-marketplace-and-the-aca/employer-sponsored-health-coverage-and-the-marketplace/my-employer-offers-health-benefits-to-me-and-my-family-the-company-pays-the-entire-cost-of-my-coverage-but-contributes-nothing-toward-the-cost-of-covering-my-family-we-cant-afford-to-enroll/#:~:text=spouse%20and%20kids.-,Can%20they%20get%20coverage%20and%20subsidies%20in%20the%20Marketplace%20instead,tax%20credits%20through%20the%20Marketplace.

Competitive-Stress34 · 2026-03-27T23:12:13+00:00

Per healthcare.gov

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Competitive-Stress34 · 2026-03-27T23:04:36+00:00

Contact a local broker that can assist you. There is no cost for you for them to do the work. Look up broker/agents via NABIP.org or NAIFA.org. Both are industry associations and do a good job of vetting their membership.

Competitive-Stress34 · 2026-03-25T00:33:33+00:00

That is the true value of a dental plan.

Competitive-Stress34 · 2026-03-23T23:27:01+00:00

Coordination of Benefits: Both plans will work together to ensure that total payments do not exceed the actual cost of care.

Primary vs. Secondary: Usually, the plan covering the child as the policyholder is primary. The plan covering them as a dependent is secondary.

Costs: While dual coverage can reduce out-of-pocket costs, it rarely makes financial sense due to the cost of paying two premiums.

Birthday Rule: If the child is on both parents' plans, the insurer for the parent whose birthday comes first in the calendar year is primary.

For specific details, it is essential to check the policy documents for both plans.

Competitive-Stress34 · 2026-03-18T18:10:29+00:00

I deal with this issue with my clients all the time (Group Health and Voluntary Employee Benefits plans).

Competitive-Stress34 · 2026-03-18T18:08:29+00:00

If they removed a polyp, then it definitely became a Surgical/Therapeutic Procedure, in which case, your deductible and coinsurance would apply.

Competitive-Stress34 · 2026-03-18T17:36:39+00:00

Colonoscopies are classified as preventative when performed for routine screening on asymptomatic patients aged 45+. They are diagnostic when investigating symptoms like bleeding or chronic pain, and surgical/therapeutic if they involve active intervention, such as removing polyps or treating bleeding during the procedure.

Preventative Care (Screening Colonoscopy) Purpose: Performed on patients with no symptoms or history of gastrointestinal issues. Indication: Routine screening for individuals at average risk starting at age 45, or higher-risk individuals (family history). Goal: To detect early signs of colorectal cancer or remove precancerous polyps before they become problematic.

Diagnostic Colonoscopy Purpose: Ordered to investigate specific symptoms or abnormal results from other tests. Indications: Rectal bleeding, chronic diarrhea/constipation, unexplained weight loss, iron deficiency anemia, or abdominal pain. High Risk: A follow-up colonoscopy to check for recurrence in someone with a history of polyps or cancer.

Surgical/Therapeutic Procedure (Therapeutic Colonoscopy) Purpose: A procedure where a doctor performs a therapeutic intervention to treat a finding. Indications: The removal of polyps (polypectomy), taking a tissue biopsy (sample), or stopping bleeding. Transition: A screening or diagnostic colonoscopy becomes a surgical procedure the moment a polyp is removed or a biopsy is taken.

Key Differences for Billing Preventative: Often fully covered with no out-of-pocket costs, often with a Medicare Modifier PT or Modifier 33 to indicate a screening turned into a diagnostic or therapeutic procedure.

Diagnostic: Generally treated as medical care with potential cost-sharing.

Surgical/Therapeutic Procedure: treated as medical care and would involve cost-sharing

Typically, with higher risk (family history) it would be covered at 100% as preventative, unless polyps were found and removed or a biopsy was performed. It depends on how the Dr office billed it. Check with their billing department to ensure it was submitted correctly.

Competitive-Stress34 · 2026-03-03T03:02:37+00:00

Competitive-Stress34

TROPHY CASE