How to get dirt cheap, name brand sunglasses through your health insurance.

Just a quick heads up to anyone looking to get Ray-Ban sunglasses or a select few other brands on the cheap. If you have health insurance and/or vision insurance, there is a good chance you have a deductible for frames on your plan that resets every 12 months.

Now, if you are in need of a new pair of eyeglasses with corrective lenses, you should use this towards a new pair of eyeglasses. However, if you have good vision or your current pair of glasses work fine, you can use this deductible towards sunglasses.

Frames are frames. Lenses are a whole other separate issue. I have Aetna and I've never had a problem with this. I prefer going to LensCrafters, picking out a pair of Wayfarers I like, then using my insurance deductible on them. For me, I have a $150 deductible, so a $160 pair of Wayfarers becomes $10 + tax.

This is a great way to put otherwise wasted vision insurance to good use and an even better way to get those shades you really want on the cheap. Enjoy.

EDIT: I am mis-using the term deductible. Apologies. Basically, I have a spending allowance for $150 and then after that I pay out of pocket.